Golden Leaves guarantee to cover the cost of your cremation funeral when the time comes

Direct Cremation Funeral Plan

Our best value funeral plan is designed for those who just want a direct cremation with no service. Not available in Cyprus

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Simple Funeral Plan

This plan is designed for those who just want a simple service. Available for cremation in Spain and Portugal and burial in Cyprus

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Traditional Funeral Plan

This plan is designed for those who would like a traditional funeral service for cremation or burial. Burial only available in Cyprus

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Repatriation Funeral Plan

This plan is designed for those who wish to be repatriated to a country other than their current country of residence.

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Choose how you’d like to pay

Ways to pay that meet your budget in the currency of your choice.

Whatever your financial, circumstances, Golden Leaves offers affordable plans and flexible payment options to suit you. 

Payment Options in Sterling

Single payment (i.e. in one lump sum):

  • The whole sum is paid immediately and full cover starts once your welcome call is completed.
  • No health checks.
  • No age restrictions.

12 months’ instalments

  • A deposit is paid and the remaining balance is spread over 12 months’ instalments.
  • Accidental death cover commences immediately after the welcome call.
  • Full cover commences after 12 months.
  • No age restrictions.

Credit financed option**:

  • Credit agreement arranged with Funeral Safe Limited** (subject to status and affordability).
  • Payment duration is between 2 and 8 years.
  • Full cover commences immediately after the welcome call.
  • Should you die during your regulated credit agreement your lender will not pursue your estate or whoever took out your finance arrangement for you, for the outstanding balance.

Payment Options in Euros

Single payment (i.e. in one lump sum):

  • The whole sum is paid immediately and full cover starts once your welcome call is completed.
  • No health checks.
  • No age restrictions.

12 - 96 months’ instalments*:

  • A deposit is paid and the remaining balance is spread over 12 – 96 months instalments.
  • Accidental death cover commences immediately after the welcome call.
  • Full cover commences after 12 months.
  • No age restrictions.

Important information that you should know

Single payment (i.e. one lump sum) paying in Euros or Sterling – you can cancel within 30 days or within 7 days of us telling you who your funeral director is (if this is later). You’ll get all your money back. If you cancel after this, you’ll get your money back but we’ll keep a €274 / £239 charge for administration.

12 months’ instalments paying in Euros or Sterling – you can cancel at any time in the 12 months and get back everything you’ve paid. After that, you’ll get your money back but we’ll keep a €274 / £239 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that might cause death within 12 months of applying for a plan.

12 – 96 months’ instalments paying in Euros* – you can cancel at any time in the 12 months and get back everything you’ve paid.  After that, you’ll get your money back but we’ll keep a €274 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that might cause death within 12 months of applying for a plan.

Credit-financed payment paying in Sterling** – this is a loan and it’s subject to status and personal circumstances so you’re not guaranteed to be accepted. You must keep up payments on this: if you miss payments, your plan may be cancelled. If you select this option you will be provided with pre-contract credit information, adequate explanations and a credit agreement directly by Funeral Safe Limited. You will have a cooling off period which is the longer of 30 days from the date of the call or 7 days from when we tell you who the allocated funeral director is. During this period, you can cancel the purchase of your funeral and receive a full refund of any money you have paid to that date. If you cancel after this point, we’ll pay back the cost of your plan to Funeral Safe but we’ll keep a £239 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that might cause death within 12 months of applying for a plan. You must repay your finance to Funeral Safe Limited before your 85th birthday

Guaranteed International Plans. If you move back to the UK your plan will become a financial contribution towards the cost of a funeral in the UK. If you are re-locating back to the UK and you have a Golden Leaves International funeral plan, please call our UK office who will be pleased to help set up a Golden Leaves UK funeral plan.

What happens to the money I paid for my plan? – We help many thousands of customers to plan and fund their funerals. Because of economies of scale, we can sell our plans to our customers at a rate which is usually far more cost effective than it would be for them buying from a funeral director at the time of the funeral itself. As a commercial enterprise, we have costs of doing business and promotional marketing.  These costs are met by supply side economies of scale delivered by our ability to purchase funerals in bulk and are consequently absorbed into the price of our plans.

We retain an amount from the price paid by you for your plan (which is currently €274 / £239) to cover our administrative costs of running the business for the life of each plan, which is approximately 11 years.  We also retain an amount (which currently ranges between €404 / £350.70 and €834 / £724 dependent on which plan you purchase) to cover marketing, sales fulfilment expenses and to provide the business with an element of profit. The balance is placed in the Trust in order to pay the appointed funeral director and other costs of the agreed funeral (for further information, please see our Commission and Payment Disclosure and refer to our fees and payments breakdown summary table for further details).

*Monthly Euro payments over 12 months. On all Euro instalment purchases with a longer duration than 12 months, a cumulative Instalment Management charge of 6% per annum is included in the monthly instalment calculations. Funeral plan amount of €2320 with an upfront arrangement fee of €100.00 and monthly repayments of €98.05 p/m over a term of 24 months. Total amount repayable is €2453.20

**Funeral Safe Representative example: Loan amount of £2,018 with an upfront arrangement fee payment of £85.00 and monthly repayments of £94.19 over a term of 24 months at a rate of interest per annum (fixed) of 7.25%. This is the equivalent to 10.50% APR representative. Total amount repayable is £2,260.56. We will do a credit assessment of your circumstances when you apply. Credit available subject to status and personal circumstance to UK residents aged 18 years and over. Funeral Safe finance is available over terms of 2 – 8 years with (fixed) APR rates from 10.50% based on your personal circumstances. We reserve the right to refuse any application. Information correct as of 19/07/2022. Funeral Safe limited is authorised and regulated by the Financial Conduct Authority and is the Lender (FRN:765110). Golden Leaves Limited (FRN:960923) are authorised and regulated by the Financial Conduct Authority as a funeral plan provider and credit broker.

**Golden Leaves Limited is a credit broker and not a lender.  We are authorised and regulated by the Financial Conduct Authority.  Our Firm Reference Number is 960923.  You can check this on the Financial Services Register at www.fca.org.co.uk/firms/financial-services-register.  We introduce you to and promote credit available only from Funeral Safe Limited for the purpose of financing a funeral plan.  You do not have to pay us for this introduction and we do not receive any commission, incentive or other form of payment if you choose to apply for credit with Funeral Safe to finance your Golden Leaves funeral plan.

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