Funeral Plans

Funeral Plans that Meet Your Specific Requirements

Ensure that the future is taken care of with a prepaid funeral plan. T. Pennack & Sons based in Chelmsford, Essex is an I.A.R.* of Golden Leaves Funeral Plans who will speak with you directly to establish your exact requirements and honour your wishes. By paying for your funeral in advance, you can help secure the cost and ensure your funeral wishes are carried out to your particular requirements.

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Funeral Planning

A funeral plan allows you to plan and pay for your funeral in advance and giving you lasting peace of mind that everything is in-hand.
With a funeral plan from Golden Leaves, you can secure the Funeral Directors fees at today’s prices. In other words, there’s no more to pay for the funeral directors’ fees that are itemised within your funeral plan. Your funeral plan will also include an allowance towards the cost of third-party fees, for example, these might include cremation or burial fees, plus an officiant fee.

Trusted Provider of Funeral Plans

At T Pennack and Sons we work in partnership with Golden Leaves to provide you with a secure way to plan and pay for your funeral in advance. Golden Leaves have been at the forefront of funeral planning since 1984 when funeral plans first became available in the UK, so you can trust that your family will be provided the care and service from industry experts.

Financial security is provided by the Golden Leaves Trust which is managed by an Independent Board of Trustees and regulated to comply with the Financial Services and Markets Act 2000 (Regulated Activities) order 2001 and subsequently FCA regulation which came into being on 29th July 2022. The funds are further protected by the Financial Services Compensation Scheme (FSCS) should Golden Leaves ltd go into administration however unlikely that maybe.

Choosing Your Plan

We understand that everyone is different, which is why our funeral plans are designed to hold your personalised wishes in one place. With a Golden Leaves funeral plan, there are 3 simple ways to pay. You can spread your payments over 12 interest-free monthly instalments or choose immediate cover with a single payment or by selecting our credit financed funeral plan (ask for terms and conditions).

When you get in touch with us here at T Pennack and Sons, we will take your name and your telephone number, and arrange for an experienced Golden Leaves Representative to contact you to discuss your individual requirements.

Take the first step today by calling us on 01245 471157 or email us at

Award-Winning Funeral Directors

Amongst some of our other honoured awards, T Pennack and Sons can boast the Golden Charter Pre-Paid Funeral Plans ‘Funeral Planner of the Year’ in 1996, and again in 2010 in the North London and East England category.


Whoever you decide to take a prepaid funeral plan with, whether it be Golden Leaves, or another provider, you should still be able to have the flexibility to nominate your preferred Funeral Director to carry out your arrangements and conduct your funeral. Although T Pennack and Sons are now an I.A.R.* for Golden Leaves, we will still honour all prepaid funeral plans already taken out with other providers like Golden Charter, Avalon, Dignity, Age UK, and Safe Hands where we have been nominated and accepted as the preferred Funeral Director to arrange and conduct the funeral.

*I.A.R. Introducer Appointed Representative

T Pennack and Sons Limited is an Introducer Appointed Representative of Golden Leaves Limited, authorised and regulated by the Financial Conduct Authority.  Firm Reference Number 960923.  You can check this on the Financial Services Register at