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  • Funeral planning explained

    It might not be easy to think about planning your funeral, but it is important. Once you've made your plans, you can get back to living life to the full, knowing that there's one less thing for your family to worry about.

    If you'd like to make plans for your funeral but don't know where to start, read on.

    Types of funeral plans

    Why funeral planning is important

    By planning for your funeral in advance you can help protect your loved ones from rising funeral costs.The average cost of a funeral in the UK has risen by a staggering 103%** between 2004 and 2016 and now stands at £3,897*.

    So, covering funeral costs can be a heavy, and often unexpected, financial burden on loved ones at an already difficult time. And, by making plans in advance you can also save your family from the worry of trying to guess what you might have wanted.

    1400+

    people die every day *

    Only 1 in 4

    UK households has life insurance **

    £3897

    Average UK funeral costs °

    Ways to help pay for your funeral

    However you decide to help pay for funeral costs, the most important thing is to do something to prepare for your funeral. However small, it will all help when the time comes.

    A pre-paid funeral plan lets you pay towards your funeral today

    Funeral Plans

    • A funeral plan is quick and easy to arrange
    • You can choose from three different funeral plans
    • There are two different ways to pay - find an option to suit your budget
    • Help protect your loved ones from rising funeral prices - the average UK funeral cost is now £3,897*
    Get a free funeral plan quote

    The Guaranteed Over 50 Plan is the UK’s No 1 choice^ for over 50 life insurance

    Over 50 Life Insurance

    • The Plan provides a cash sum for loved ones, on your death after the first two years
    • If you're aged 50-85 we guarantee to accept you, with no medical
    • Premiums start from just £3.90 a month, the lowest you’ll find in the market
    • Life-long cover as long as you pay your premiums for life
    Get a free over 50 life insurance quote

    Make your funeral wishes known

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

    Start planning

    How much does a funeral cost?

    Find out the average funeral cost in your area fast, using our funeral calculator.

    Funeral Cost Calculator
  • The smallest print

    ^Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics - 12 months up to 31 December 2016.

    *Source: Average of quotes for standard funeral arrangements from a sample of funeral directors. Critical Research, 2016.

    ** Source: SunLife Cost of Dying Report 2016

    We offer the lowest monthly premium on the market for this type of product as at 3 May 2017.

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?

AXA Wealth Ltd 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. AXA Wealth Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, No. 01225468). AXA Wealth Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Wealth Ltd is entered on the Financial Services Register (registration no. 119201).

AXA Wealth Services Ltd distributes financial products and services and trades as SunLife. AXA Wealth Services Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, no. 02238458). AXA Wealth Services Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 465753).

‘SunLife’ (comprising of the companies AXA Wealth Services Limited, AXA Wealth Limited and AXA Sun Life Direct Limited) has been acquired by Pearl Life Holdings Limited (and now forms part of the Phoenix Group - www.thephoenixgroup.com). ‘AXA’ is a trademark that is owned by AXA SA and will be used for a short period under a licence granted by AXA SA to the Phoenix Group.

Pearl Life Holdings Limited is registered in England (4560778) at 1 Wythall Green Way, Wythall, Birmingham B47 6WG. As part of the Phoenix Group, AXA Wealth Limited will continue to be authorised by the Prudential Regulation Authority and regulated by Prudential Regulation Authority and Financial Conduct Authority. AXA Wealth Services Limited will continue to be regulated by the Financial Conduct Authority.

You can contact us by post at SunLife, PO Box 7054, Willenhall, WV1 9ZH or by phone on 0800 008 6060. As part of our commitment to quality service and security, calls may be recorded.

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 AXA Wealth Ltd, 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.