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5 reasons why a funeral plan is a good idea

Funeral planning might not be your highest priority right now, but having a plan in place is important, whatever it is. With the cost of funerals rising each year, it pays to start thinking ahead and letting your family know that you’ve made a plan too. So read our top five reasons below to find out why getting a funeral plan in place is a good idea.

1. Funerals are expensive

pennies in a jar with a green shoot growing from the top

The truth is that funerals can be really expensive. The cost of a basic funeral in the UK now sits at £4,100*, which is more than double what it was in 2004. And that’s before you’ve added all the extras, such as flowers and a buffet at the wake, and the costs are showing no signs of slowing down. It can be easy to put off thinking about funerals, but it’s one of the only sure things in life – we are all going to need one!

And even if you check out how much funerals are costing at the moment, there’s no way of knowing exactly how much they’ll cost when you eventually need one. The costs are rising every year so your family could be left with a shortfall to make up. If you plan ahead, you can manage the cost of the funeral you want with monthly payments, and ensure that a leaving a costly bill for your family is avoided.

*SunLife Cost of Dying Report 2017

2. It’s not just about the money

young grandchild sitting on her grandfathers knee

All this talk about money is scary but, despite that, one of the main reasons it’s such a good idea to get a funeral plan in place is because it’s one of the final ways you can ensure you’re making a hard time for your family a little easier. Removing a source of stress for your loved ones is a huge factor in getting a funeral plan, with them knowing your wishes have been met. The last thing they’ll need at a difficult time is deciding whether you ever actually really liked roses, or if that song really was the one you wanted played at your service. With the tough questions and money worries out of the way, your loved ones can spend more time together to grieve and celebrate your life.

So although it’s hard to talk about at first, once you have a plan in place, and let your family members and loved ones know, everyone will be feeling a bit more comfortable about the future.

3. You can make your wishes known

mature lady smiling at the camera and gesturing with her hands

Although telling your loved ones what you’d like will help them not have to make too many decisions at a tough time, it also means that your wishes can actually be honoured, whatever they may be. Perhaps you want to be cremated wearing a specific item of clothing or with something that means a lot to you, or maybe you don’t want a a traditional funeral but would prefer a direct cremation – either way you can rest assured knowing your wishes can be honoured in as much detail as you want to go into.

4. Independence is important

older lady sitting in a chair and looking out of a sunlit window

None of us want to be a financial burden to anyone, let alone our children. Leaving a plan for our funeral ensures that our final act of independence is carried out, and that’s important.

5. A proper send off

mature couple dancing in the kitchen

Whether you want a traditional funeral with cars for your family and a memorial wake afterwards, or whether you’ve got some unique, weird and wonderful funeral requests, you can make sure that you go out with a bang! For some people, making sure they have a proper send off is really important. With a funeral plan, you can choose the celebration of life that you want.

SunLife offers a range of straightforward and affordable products including over 50s life insurance, funeral plans, life insurance, equity release, pet insurance, home insurance, car insurance, ISAs and Will writing services.

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 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.