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The SunLife
Guaranteed
Funeral Plan

The safer, most affordable way to pay for your funeral

Get a quote

Guaranteed funeral plan, Alan Titchmarsh.

Why choose the SunLife Guaranteed Funeral Plan?

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100% payout protection^

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Beginning from £9.25 a month*

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FREE £90 gift voucher offer ends 1.7.2018**

Beat rising funeral costs

Do you have over four thousand pounds to pay for your funeral? Believe it or not, that’s the average cost of a funeral today – and prices are going up every year. In fact, funerals are one of the fastest rising costs in the UK. So if you don’t want to leave your family with a big bill, now’s the time to plan ahead.

That’s where the SunLife Guaranteed Funeral Plan comes in. It’s the most affordable plan in the UK and it guarantees to cover the cost of a funeral when you pass away – no matter how much you’ve paid in, or how much prices rise. So you can leave your loved ones with happy memories, not money worries.

  • The most affordable plan – beginning from just £9.25 a month*
  • The safer plan – one of the few plans to guarantee your money is protected
  • The trusted plan – SunLife has paid out over £243 million in claims over the years~
  • The easier plan – sorted in minutes, with no difficult decisions
  • The free gift plan – just to say thank you for choosing SunLife

The name you can trust

With so many funeral plans out there, how do you know who to trust? Well, the SunLife Guaranteed Funeral Plan is one of the few to guarantee that your money is fully protected – because it comes with Financial Services Compensation Scheme (FSCS) protection.

Whatever happens, you’ll get exactly what you’ve paid for when the time comes – because we guarantee to cover the cost of a funeral. And all this adds up to a plan that gives you real peace of mind today and real protection for your family tomorrow.

  • Guaranteed to cover the cost of a funeral
  • One of the only funeral plans with FSCS protection
  • From the company with roots that go back more than 200 years

How it works…

Your monthly payments will be paid into a life insurance policy provided by Phoenix Life Limited. Once you’ve had your plan for at least two years, the cost of your chosen funeral services will be covered whenever you pass away – as long as you fully pay all your premiums when due.

The funeral services are provided by Dignity Funerals Ltd – one of the UK’s leading funeral providers. So when you pass away, the life insurance payout goes directly to them and they make the chosen funeral arrangements with your family. Just bear in mind that depending on how long you live, you could pay in more than the cost of the funeral.

Get your guaranteed funeral beginning from £9.25 a month*

Call FREE on: 0800 904 7649
Funeral calculator

Funeral costs

Calculate the average cost of a funeral in your area

The average cost of a funeral in your area is:
£ 0*

To find out more about our funeral plans call free on:

0800 904 7649

Request a call back

*Our funeral cost calculator, has been developed off the back of research we commissioned with Critical Research, a leading independent market research company, in May 2017. Understand the terms used in funeral cost calculator or find out more about how we calculate funeral costs. Please remember that the costs in this calculator are from the research carried out in 2017. The cost of a funeral in the future is likely to be more than this.

Plan your perfect send-off

Make your funeral wishes known and record them for FREE with My Perfect Send-off.

Calculate your funeral cost today

Find out the average cost of a funeral in your area, using our simple funeral cost calculator.

Exploring funeral plans

Funeral planning isn’t something we think about every day, but a little forward thinking can make a big difference to your family. Let’s see why it makes sense to take control today.

What is a direct cremation?

Why choose the SunLife Guaranteed Funeral Plan?

5 reasons to consider a funeral plan

Frequently asked questions

When the time comes, how does my family make a claim?

It’s really straightforward. When you take out a plan, you’ll receive a welcome pack containing contact details for Dignity Funerals Ltd. Please make sure you let someone know where this is kept. When you pass away, your family just need to call Dignity and they’ll advise what happens next.

What happens if I stop paying?

If you stop making your monthly payments or cancel, your plan will come to an end and you won’t get anything back.

Can I choose my funeral director?

The funeral services will be arranged by Dignity Funerals Ltd, one of the UK’s leading funeral providers, with over 800 funeral directors all over the country. When you call, our team can help you find out where your nearest Dignity funeral director is located. They will allocate a Funeral director at the time of need.

What is the Financial Services Compensation Scheme (FSCS)?

The Financial Services Compensation Scheme (FSCS) is there to protect your money in the unlikely event that Phoenix Life Limited were to go out of business and were therefore unable to meet their obligations. In this instance, you would be able to claim your money back via the FSCS. Most other companies that offer funeral plans don’t come with this protection.

The smallest print

Not all products are available outside of mainland UK, please call us to discuss if you have any queries.

This website contains information on how these funeral plans work. It does not contain advice, so you need to be satisfied this type of funeral plan meets your needs. If you are unsure and need advice, please visit unbiased.co.uk to find an independent financial adviser in your area.

Phoenix Life Limited is the provider of your policy and trades as SunLife. 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). The funeral services are arranged and provided by Dignity Funerals Ltd which is not authorised or regulated for this activity by either the Financial Conduct Authority or the Prudential Regulation Authority but is a member of the National Association of Funeral Directors.

SunLife Cost of Dying Report 2017.

^Cover which pays for the policy has Financial Services Compensation Scheme (FSCS) protection.

*For a 50 year old buying our most affordable plan. Premiums increase each year for a maximum of 20 years.

**Your gift will arrive one month after your third monthly payment, which is around four months after your policy starts.

~Across our range of products.

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 is not authorised or regulated for this activity by the Financial Conduct Authority or the Prudential Regulation Authority but is a member of the National Association of Funeral Directors.

Who provides the Funeral Plans?

The funeral services are arranged and provided by Dignity Funerals Ltd which is not authorised or regulated for this activity by the Financial Conduct Authority or the Prudential Regulation Authority but is a member of the National Association of Funeral Directors.

The life insurance policy that pays for your funeral will be provided by Phoenix Life Limited, trading as SunLife.

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.