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Funeral planning explained

There comes a time in life when you realise you’re not going to be here forever, however much you’d like to be. This moment may come when you retire or have to step up and take care of everything when someone dies.

How will the people you love get by without you? You’ve looked after them for so long, what’ll happen when you’re not there to sort stuff out anymore? This is where making funeral plans and writing a Will comes in.

Types of funeral plans

What’s the point of planning for the end?

Let’s be honest, you won’t be around to have to deal with it. But someone will. They’ll be faced with funeral arrangements, finding the money to pay for the funeral, sorting out your affairs and generally trying to do right by you, while also trying to grieve. If you’ve ever been in this position, you’ll know how hard it can be.

Taking steps to plan your funeral and set out your wishes in a Will, doesn’t just lessen the practical and financial load on those left behind, it may even prevent a family fallout.

And planning ahead isn’t all about them. It gives you the chance to be clear on what you want at your funeral and who should get what from your estate. Best of all maybe, you’ll know you’ve done what you could when you could and found a way to take care of your loved ones when your help may be needed most.

£2,356

Average shortfall in funeral costs°

30% of over 55s

haven’t considered how their funeral will be paid for**

Over half

of UK adults don’t have a Will°°

How we can help you plan ahead

We offer funeral plans and Will writing to help you plan your funeral and document your wishes in advance.

Funeral plans to suit your budget — pay for and arrange the basic elements of your funeral now

Funeral Plans

  • 3 different funeral plans to choose from
  • Quick and easy steps to set up your plan
  • Choose how you want to pay
  • Helps protect against rising funeral prices

Get a free funeral plan quote

If your budget won’t stretch to a Funeral Plan, the cash payout from an over 50 life insurance policy could help with funeral costs. While it may not be enough to cover the funeral bill, it will still make a difference at the time.

Professional, affordable Will writing — sort your Will from the comfort of your home

Will writing service

  • A set price for your Will prepared by experts
  • Personal service from the comfort of your home
  • Taken care of at every step
  • Peace of mind that your Will is right and legal

Make your funeral wishes known

Record your funeral wishes ready for when the time comes - it’s simple and it’s FREE.

Start planning
 

What does a funeral cost where you live?

Use our funeral cost calculator to see how much the average funeral costs in 2017 in your area.

Funeral Cost Calculator

Who provides our funeral plans and Will writing services?

SunLife funeral plans are provided by Golden Charter. SunLife Will writing services are provided by Hugh James Solicitors.

The smallest print

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife? 

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is entered on the Financial Services Register (registration no. 110418). As part of SunLife’s commitment to quality service and security, telephone calls may be recorded.

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by Phoenix Life Limited, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.