Golden Leaves Funeral Plans Review

Key points:Golden leaves funeral plans

  • Golden Leaves plan prices start from £2,533
  • 5 plans to choose from - 3 of which guarantee the cremation fees
  • Only company to offer monthly payments with immediate cover
  • Use local Dignity, Co op and independent funeral directors

Golden Leaves is one of longest established funeral planning companies in the UK. Their six plans including their direct cremation Copper Plan offer flexibility, and their Silver, Gold and Platinum plans fully guarantee the cost of the funeral services included, with nothing more to pay.

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Read our Golden Leaves Funeral Plans Review to understand the benefits and pitfalls. You can then either compare funeral plans or read our other funeral plan reviews.

Who is Golden Leaves?

This funeral plan review will focus on Golden Leaves Funeral Plans, founded in 1984 with roots going back to a family of funeral directors in Croydon, South London as far back as 1875. In addition to providing funeral plans for the UK, Golden Leaves also provide European Funeral Plans for expats living in Spain, Portugal and Cyprus.

In this funeral plan review, we will focus on the 5 Golden Leaves UK plans that include a funeral service.

Which prepaid funeral plans do Golden Leaves offer?

Golden Leaves funeral plans guarantee the services of a local funeral director as detailed in the plan. Whilst the Bronze and Zinc Plans offer a more simple funeral planning option, the Silver, Gold and Platinum plans also fully guarantee the cremation fees and ministers fees too.

Services included in each plan

Features Copper Bronze Zinc Silver Gold Platinum
Funeral Director's professional services tick icon tick icon tick icon tick icon tick icon tick icon
Advice on funeral registration, documentation & certification tick icon tick icon tick icon tick icon tick icon tick icon
Removal from the place of death to funeral Director's premises within 25 miles in normal working hours 24 hours tick icon tick icon tick icon 24 hours 24 hours
Care of deceased prior to funeral tick icon tick icon tick icon tick icon tick icon tick icon
Chapel of Rest available for family & friends to visit   tick icon tick icon tick icon tick icon tick icon
Customer has no choice over the date & time of the funeral tick icon   tick icon      
Type of coffin Basic Basic Basic Basic Standard High quality
Attendance of conductor & four pallbearers on day of funeral   tick icon tick icon tick icon tick icon tick icon
Provision of hearse for service at Crematorium / Cemetery   tick icon tick icon tick icon tick icon tick icon
Provision of limousine(s)         One Two
Full listing of floral tributes         tick icon tick icon
Thank you cards   tick icon tick icon tick icon tick icon tick icon
Bereavement counselling (where available) tick icon tick icon tick icon tick icon tick icon tick icon
Guaranteed Cremation and doctors fees* tick icon          
Guaranteed Cremation & minister fees*       tick icon tick icon tick icon
Allowance towards Disbursements**     tick icon      
Return of Ashes via Private Driver(Monday to Friday) tick icon          
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Which funeral services are guaranteed?

The all important section of the funeral plan review which tells you exactly what you are getting for your money:

Guaranteed Services

All of the Golden Leaves Funeral Plans guarantee the services of a local funeral director, which includes collection and care of the deceased, help and advice for family, use of the chapel of rest, their services on the day of the funeral, a coffin, hearse and where appropriate a limousine.

The Silver, Gold and Platinum plans, also guarantee the cremation fees and minister’s fees too.

Services Not Guaranteed

As the Bronze plan only guarantees the funeral director’s services, the cremation fees and ministers fees will need to be paid for at the time of need.

The Zinc plan guarantees the funeral director’s services and also includes a contribution towards the cremation and minister’s fees that increases in line with RPI. This means there could be more to pay however, it depends on the costs at the time versus the size of the contribution.

Finally, if you prefer burial, the Zinc, Silver, Gold and Platinum plans include a contribution towards your third party burial fees.

Will there be more for my family to pay?

This depends on the plan you choose. The Silver, Gold and Platinum plans fully guarantee the funeral director’s costs and the cremation services included in the plan with nothing more to pay.

The Bronze and Zinc plans only guarantee the funeral director’s costs, so any additional costs for the cremation fees and ministers fees will need to be paid for when the time comes.

Also plans do not include the doctor’s fees as they are not always required and a proposed change in the law means they may not be relevant in the future. 

How can I be sure my money is safe?

It is important to note in this funeral plan review that Golden Leaves is registered and regulated by the Funeral Planning Authority (FPA) so therefore has to abide by their strict rules and code of conduct.

If you choose to pay in full or by one of the regular instalment options, then your money is paid into the Golden Leaves Trust Fund. This is totally separate to the company so if anything were to happen to Golden Leaves, the Trust with your money in it would remain intact ready to pay for your funeral service.

If you choose the Fixed Monthly Payment option then your money is paid into an AXA Wealth Ltd SunLife whole of life insurance policy, which is therefore regulated by the Financial Conduct Authority (FCA).

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How can I pay for my funeral?

With a Single Payment or over 12 months

As with most funeral plan providers paying in full or over 12 months is the cheapest way to purchase a plan if you have the funds available as there are no additional fees. Please note you will be required to pay a £49 deposit on a 12 month plan.

Monthly Instalments

Golden Leaves is unique in being the only company to offer monthly instalments with immediate cover. Instalment options are available between 2 to 8 years with a deposit of £49. Once you have paid your deposit, you are completely covered for the services included in the plan. So if you arranged a plan over 6 years but died after the first 6 months, the funeral services as detailed in the plan would be provided with no charge to your family.

Fixed Monthly Payment Plan

If you want to keep to a budget and are between the ages of 50 to 75 then you could opt for the fixed monthly payment plan. You pay a fixed amount based on your age and level of service required and are covered for your funeral services after 12 months. Premiums are payable for life or until you are 90, so there is a chance you could pay more into the plan than the cost of the funeral – it all depends on how long you live.

In addition to providing cover after 12 months as opposed to the 2 year initial period with other plan providers, the Golden Leaves From50 plan does come with a rebate guarantee with this payment option that means you are entitled to a rebate if you pay in more than the cost of the funeral.

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Is there an age limit on Golden Leaves plans?

If you are paying in full or by regular monthly instalments, Golden Leaves accept anyone aged 50 or over.

If you prefer their insurance backed fixed monthly payment plan, you do need to be aged 50 to 75.

Can I choose either a burial or cremation funeral?

Apart from the Copper plan which is direct cremation only, the plans can be used for either cremation or burial. 

If you choose cremation on the Silver, Gold or Platinum plans, then the services included in the plan are fully guaranteed. If you prefer burial, then your funeral directors services are guaranteed but you receive a contribution for your burial fees.

The Bronze plan can be used for either cremation or burial but doesn’t include any form of payment for these costs and the Zinc plan just includes an allowance regardless of which type of service you choose.

Can I cancel my plan?

When you buy a Golden leaves funeral plan you automatically get a 30 day review period to ensure you are completely happy with the details and funeral services included. If you choose to cancel during this 30 day period any money paid would be fully refunded.

If you cancel after that period there is a cancelation fee of 20% of the overall cost of the plan.

Who will my funeral director be?

Golden Leaves plans are accepted by Dignity, Co op and independent Funeral Directors across the UK, so they are confident in providing a local service.

What happens if I my home?

If you move, Golden Leaves will allocate a new funeral director local to your new address at no extra cost.

Do Golden Leaves funeral plans offer any additional features?

As mentioned previously in this Golden Leaves Funeral Plan review, the company also offer European funeral plans for expats living in certain countries, in addition to eco friendly green funeral plans.

They are unique in being the only company to offer immediate cover on monthly funeral plans and their rebate guarantee means you never pay more than the cost of the funeral on the fixed monthly payment plan.

 

Our Golden Leaves Review Verdict

Golden Leaves have tried to cater for all requirements and budgets with their range of prepaid funeral plans. They fully guarantee the cremation funeral services in their Silver, Gold and Platinum plans, which could be worth considering if you are looking to remove this worry from your family.

Also, their unique monthly payment plans offer immediate cover with just a £49 deposit. Many other funeral plan providers require full payment before the services are provided, or have a waiting period of at least one year.

However, with Golden Leaves funeral plans you can choose a payment option you can afford and still benefit from immediate cover.

Our Offer

The Golden Leaves Silver, Gold and Platinum plans are competitively priced and fully guarantee your cremation & ministers fees at today's prices. This means your family will have nothing more to pay for the services included.

And Golden Leaves are the only company to offer monthly payment plans with immediate cover. So you can choose a plan you can afford, comfortable in the knowledge you are fully covered immediately for the services included

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