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Protect your family against rising funeral costs
Ease the burden of planning and paying for your funeral for your loved ones at a difficult time
Choose from 3 plans and 2 payment methods to suit you
A network of over 3,300 funeral directors nationwide to look after you
Get a £50 M&S Gift Card when you take out a plan.
We offer 3 plans with different levels of cover. You can compare our plans below to see the different costs and choose the right one for your needs. For each of these plans, you can choose either a burial or cremation.
There are some costs outside the control of our funeral directors – these include doctors’ and clergy fees as well as the service at a local crematorium or cemetery – so it’s understandable that we can’t cover everything. But to help, we provide an allowance towards these costs that increases every year. It’s our way to ensure we cover as much as we can. There’s more information about this in the table below.
Still have questions about Funeral Plans?
Compare our plans
What are Funeral Plans
Ways to pay for your funeral
Click an arrow to learn more about a feature
If you are looking for lower, fixed monthly payments, you can pay for your funeral by taking out a life insurance policy.
If you have the money right now, paying it off in a single payment gives you the reassurance that your Funeral Plan is paid for so you can get on with your life
This covers all the funeral arrangements for a burial or cremation that the funeral director makes on behalf of your loved ones. Your funeral director will provide guidance on all aspects of the funeral arrangements and help your loved ones to complete the certification and registration of the death and other related documents.
Your funeral director will provide your loved ones with a range of quality coffins to choose from, which also includes a personalised name plaque.
Your funeral director will arrange the transportation of the deceased to a suitable resting place within 15 miles of your address.
Your funeral director will arrange for the care of the deceased before the burial or cremation. This does not include embalming. This feature also covers the use of a chapel of rest or service rooms.
If included in your plan, your loved ones will be able to view the deceased in the chapel of rest, rest rooms or service rooms, during normal office hours.
All plans cover the cost of the hearse and attendants. Each limousine can seat up to 7 people.
Our plans include an allowance towards the cost of a service at a local cemetery or crematorium, and also fees for clergy or an officiant to attend the service. These costs are out of our control but to help towards covering these fees, we increase this allowance every year. But depending on the cost of these services at the point of claim, there may be a shortfall which would need to be met by your next of kin.
If included in your plan, your funeral director will provide your loved ones with confidential advice and resources about bereavement. This would also include a recommendation for a local bereavement counsellor.
*Monthly premium depends on your age when you take out a plan.
Our plans cover most features of a traditional funeral, but they do not include flowers, catering, order of service cards, burial plot or headstone, a religious or non-religious service before the burial or cremation, or any specific requirements at the crematorium, such as an organist or choir. If you would like your funeral director to arrange any other services not already included in your plan, these can be arranged for an extra charge.
You can pay in one go or you can pay monthly with a life insurance policy
Ways to pay for your funeral
Some people think it's better to just put some money away in savings. But it's easy to dip into your savings - and once it's gone, it's gone. By taking out a Funeral Plan today, you can protect yourself against rising funeral prices. You'll also ensure that your family and friends can celebrate your life and not have to worry about making difficult decisions or ending up with a big bill - as most of the cost will be taken care of.
It's a fact - funerals aren't getting any cheaper. The average cost of a UK funeral has soared by 5.5% in a single year and now stands at £3,897*. So it's more important than ever to have something in place to help pay for your funeral.
The average cost of a UK funeral has soared by 5.5% in a single year and now stands at £3,897*
When choosing a funeral, it can be difficult to know where to start – that’s where we come in. There are different Funeral Plans to choose from - from a simple funeral to something a little more special. And, we have two payment options to choose from depending on your budget.
Sorting out your funeral in advance is easier than you might think. You can choose your Funeral Plan in a few simple steps. And then, when the time comes for your funeral to be arranged, all your family will need to do is contact your allocated funeral director, who will put the arrangements for your plan in place. They will also provide your family with help and support at an emotional time.
We're here to make choosing a funeral as simple as possible. It's why we offer a range of plans to meet your needs - giving you the peace of mind you need to get on with life.
When it comes to something as important as choosing your funeral, you should feel sure that you're dealing with the experts. We've been helping people plan for the end of their life for over 35 years.
And to help you get the best possible funeral service, we've teamed up with Golden Charter. They represent the UK's largest network of independent funeral directors - with over 3,300 local funeral directors around the country. When the time comes, your Funeral Director will then take care of everything. They will provide vital support to your family at a difficult time, from organising the funeral, as well as being there on the day to make sure everything goes just the way you want it.
It’s our goal to make it as easy as possible for you to afford the funeral of your choice. That’s why we offer two different payment options, depending on your budget. There's more information on these two options below.
Plus, by taking out a Funeral Plan you won’t need to worry about how much funeral costs will increase in the future.
Here's an example of how the payment options work, based on a 65-year-old who chooses The Standard Plan.
Prices from £3,625, depending on the Funeral Plan you choose.
This option is available to UK residents, aged 50 and over. You can pay by debit or credit card - it's up to you.
If you'd like to know more about this payment option, please read the
terms and conditions.
Prices from £27.07 a month, depending on your age and the Funeral Plan you choose.
For example, if you're 65 and choose our Standard Plan, you would pay £34.09 a month - that's just £1.12 a day.
The life insurance policy is provided by AXA Wealth Ltd which trades as SunLife and which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Use our quick interactive tool to find out the average funeral cost in your area.
Watch our visual guide to the average cost of a funeral in the UK.
Talking about your funeral isn't easy, My Perfect Send-Off lets you record your funeral wishes FREE for when the time comes.
This website contains information on how these funeral plans work. As the website does not contain advice, you need to be satisfied this type of funeral plan meets your needs. If you are unsure and need advice, please visit
www.unbiased.co.uk to find an Independent Financial Adviser in your area - you may have to pay for the financial advice provided. Alternatively, if you have any questions about the plan, you can call us on 0800 904 7649.
Frequently asked questions
Terms and conditions
There’s a risk that if you don’t tell your family, they may make their own separate funeral arrangements. What happens then, depends on the way that you pay for your plan:
If a funeral home closes or changes hands, Golden Charter will undertake to find a replacement funeral director to carry out the funeral.
The information you have been provided does not contain advice regarding whether these funeral plans are suitable for you. Therefore it's very important that you read and understand the terms and conditions.
Please print and/or save these documents and keep them for future reference. If you do not have access to Adobe Reader, you can download the software by clicking the following link:
Please note that the Adobe website is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority and, as it is not operated by AXA Wealth Services Ltd, we cannot be liable for Adobe contents.
View the terms and conditions (PDF 0.44MB) if you pay in one go
View the terms and conditions (PDF 0.50MB) if you pay monthly with life insurance
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.