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Important information
- Payments increase each year for a maximum of 20 years and are payable until age 90 or earlier death.
- Depending on how long you live you could pay in more than the cost of the funeral.
- You need to fully pay all premiums when due. If your monthly premiums stop, your plan will end and you'll get nothing back.
What is a Funeral Plan?
Funeral plans let you put something in place to cover future costs now, rather than leave things until you die. The SunLife Guaranteed Funeral Plan is one of the most affordable plans in the UK and guarantees to cover the costs of your chosen funeral when you pass away – once you’ve had your plan for at least two years and no matter how much funeral prices rise.
(Almost) everything you need to know about The SunLife Guaranteed Funeral Plan in 60 seconds...
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.
Answers to your funeral plan questions
How does the Guaranteed Funeral Plan work?
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.
Who provides the funeral?
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. If you stop paying your premiums your Plan/cover will end, you won't get anything back and your funeral won't be provided.
What is guaranteed financial protection?
^This means your money is fully protected as it comes with protection from the Financial Services Compensation Scheme (FSCS).
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.
How do you know funeral costs are rising?
∞The average cost of a basic funeral in the UK today is over four thousand pounds. SunLife have carried out annual research over the last 15 years to show that funeral costs have more than doubled since then and are set to be over five thousand pounds in the next 5 years. So beat rising funeral costs today. The SunLife Guaranteed Funeral Plan 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.
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, you won’t get anything back and your chosen funeral services will not be provided.
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.
Get your Guaranteed Funeral Plan beginning from £9.25 a month*
Call us today on: 0800 904 7649
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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). Dignity Funerals Ltd arranges and provides the funeral services. Dignity Funerals is not authorised or regulated for this activity by either the Financial Conduct Authority or the Prudential Regulation Authority. Dignity Funerals Ltd is a member of the National Association of Funeral Directors.
^Cover which pays for the policy has Financial Services Compensation Scheme (FSCS) protection
*For a 50 year old buying our most affordable plan as at June 2018. Premiums increase each year for a maximum of 20 years.
**Available to new Guaranteed Funeral Plan customers only. Applying between 3 September and midnight 31 December 2018. Your gift will arrive one month after your third monthly payment, which is around four months after your policy starts.