All you need to know about a direct cremation
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In the meantime, have a look at the table below which gives you an idea of the typical monthly costs for our funeral plans, based on your age and the type of plan you choose.
We have three plans to choose from. Our most affordable plan includes a cremation, a simple coffin and return of your ashes to your loved ones. Our most popular plan also includes a cremation service, a smarter coffin, and a hearse. Finally our top plan includes two limousines, a high quality coffin and transportation to a seperate ceremony (for example, a church service).
|Your age||Our most affordable plan||Our most popular plan||Our top plan|
Once you've had your plan for two years, you'll be covered for life – provided you pay your premiums when due, including increases. And we guarantee to cover the cost of your chosen funeral when you're gone. You could pay in more than the cost of a funeral.
If you end your cover you won't get anything back and your funeral services will not be provided. There is a small increase in premiums each year of 5% of the starting premium for a maximum of 20 years. Your premiums will stop at age 90 – but you'll still have your Guaranteed Funeral Plan in place. If a medical certificate is required in England and Wales, this would be an extra cost.
Planning your funeral now means you can beat rising funeral costs and, more importantly, gives you peace of mind that your loved ones won't have to worry when the time comes.
Make sure you're in the know with our helpful guides and tools.
All you need to know about a direct cremation
Find out the average cost of a funeral in your area.
5 reasons to consider a funeral plan
Don't forget – the SunLife Guaranteed Funeral Plan is one of the most affordable plans in the UK* and one of the few that comes with 100% payout protection^.
*For a 50 year old buying our most affordable plan. Premiums increase each year for a maximum of 20 years.
^Cover which pays for the policy has Financial Services Compensation Scheme (FSCS) protection
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).
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, Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). Dignity Funerals Ltd is a member of the National Association of Funeral Directors.
Who provides the Funeral Plans?
Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). 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.
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 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.