You plan for things that might happen.

GOLDEN CHARTER X Pre-Paid Funeral Plans How about planning for something that definitely will? THERE COMES A TIME in life when it's natural to consider your own funeral...and to think about loved ones and what you'd like to leave them.

Not the burden of funeral costs, obviously. Or the ordeal of having to decide on the arrangements. A Golden Charter plan spares them such distress for you specify and pay for arrangements in advance.

Your family or estate will never be asked for more.

Once you've paid for your Golden Charter plan, that's it.

A guarantee that defies inflation.

You can also be assured your money is secure.

A legally separate trust administers the funds.

No loose ends, no hidden extras In recent years funeral expenses have outstripped inflation.

This is mainly because of rising cemetery and crematorium costs, as well as an increase in fees charged by doctors and clergy.

Unlike many other funeral planning companies, Golden Charter includes these expenses in the price. Your plan is complete.

Proven value Many people see the sense of organising their funeral in advance, but wonder about paying now for it. 'Would it be better to put my money in the building society?'is a common question.

On past evidence, the answer is a definite no.

Building society accounts have failed to keep up with rising funeral costs. If, in 1991, you'd invested £640 (then the price of a simple funeral) in a building society, it would have grown to £762 over the next four years*. Yet the same funeral would have cost £925.

The shortfall would have been £ 163.

• 01 Mar 1991-01 Apr 1995 BLDG SCTY 2500 Plus hula. Source: Micnpal Complete freedom of choice Golden Charter offers you a choice of four flexible funeral plans, which can be personalised in any way to suit you.

You also have complete freedom of choice of funeral directors.

You may want the local firm that has served your family for generations. Our funeral planning network is the largest in the UK, with over 1400 independent funeral directors.

You may select any one.

Now your thoughtfulness can live on forever When you purchase a plan a tree will be planted on your behalf by the Woodland Trust in a planting site near you. You'll receive a certificate to record the planting and a directory of the sites.

A beautiful way to be remembered.

For peace of mind, read our free brochure It contains all our prices and explains why choosing a Golden Charter funeral plan is the most thoughtful decision you could make.

Send this coupon today - no stamp required.

Or call us - FREE 833 800 Royal National L J Lifeboat Institution Registered Charity No. 209603 For every plan taken out by readers of Lifeboat magazine,Golden Charter will make a donation of £25 to RNLI.

If you are using our Freephone number to ask for a brochure, please remember to state you saw the advertisement in Lifeboat.

To: GOLDEN CHARTER, FREEPOST, LONDON NW1 OYP I'd tiki to think more about your pie-paid funeral plans.

Please send me your free full-colour brochure.

Mr/Mrs/Miss (delete) Surname: First name: Address: Postcode: Telephone Number: I A FOUNDING MEMBER OF THE FUNERAL P L A N N I N G C O U N C I L.