How it works


At Kevin Lownds Funeral Services our focus is on giving a quality bespoke service.

How a funeral plan works is that you, with the help of us plan a funeral, with full knowledge of all the cost.

We help you with the plan so that you know what needs to be included and what options are available to you. We add all the components you would like, which gives a price, which you can adjust according to your needs, if necessary.

Planning Ahead


Then, the company we work with (Golden Charter) can offer a payment plan or you can pay them outright. We have examples of options for payment to show you. The funeral director does not receive any funding until the time of need (the time of the actual funeral). The Golden Charter keeps the funds invested until the time of need so that it grows throughout that time. The funeral directors’ costs are locked in at today’s prices and do not go up even if the funeral is 20 years from now.

The things that can increase in price are the cemetery fees eg, cost of cremation or purchase of a burial plot which is out of our control, but the investment by golden charter should help with this aspect.

Guiding you along the way


A payment plan can be over 1 – 20 years depending on the age of the person for whom the plan is being taken.

We can send you details if you like, or you can arrange a no obligation visit to discuss. That would either be us visiting you or you coming into our funeral home premises, whichever you prefer.

A funeral plan with golden charter


A funeral plan is an easy way to arrange the funeral you want in advance. A plan allows you to specify your wishes and pay for the funeral director’s services included in your plan. As our customers often tell us, that can bring peace of mind to you and your family. A plan from Golden Charter also includes an allowance towards third party costs. These are essential, non-funeral director services such as the cremation or burial fees, plus the minister or officiant’s fee to perform the service.

At Kevin Lownds Funeral Services we work in partnership with Golden Charter to provide you with a safe and reliable way to plan ahead. As one of the UK’s largest funeral plan providers*, Golden Charter has helped 900,000 people make funeral provisions** so we’re completely confident in offering their plans to you.

Everyone has different needs when it comes to funeral planning, so we make sure the plans we offer are as flexible as possible. When you get in touch, we’ll be happy to discuss your funeral requirements and tailor a plan to suit you. Rest assured a plan from Golden Charter is available to all UK residents who are over 18, regardless of age or state of health.

Would you like to know more information about how a Golden Charter funeral plan could work for you? We can provide you with all of the information you need to make an informed decision for you and your family, so get in touch today!

*Based on selling 14% of funeral plans in the UK in 2021

**Correct at April 2022

Kevin Lownds Funeral Services is an appointed representative of Golden Charter Limited trading as Golden Charter Funeral Plans which is authorised and regulated by the Financial Conduct Authority (FRN:965279).

Registered in England No. 02511598 Registered Office: One Fleet Place, London EC4M 7WS.

Contact Us

When someone close to you dies, having to arrange their funeral will probably be one of the most difficult challenges you have to face in life. We’re here for you in your time of need day or night. We are available 24 hours a day, every day of the year offering a personal service to the families of Newcastle-under-Lyme and Stoke-on-Trent.