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Why choose the SunLife Guaranteed Funeral Plan?

With so many funeral plans around, it can be a struggle to compare them against each other, and decide which one’s right for you. To help you understand the SunLife Guaranteed Funeral Plan, we’ll take you through some of the reasons why the plan could be the one for you.

We’ve done our research

At SunLife we’ve been tracking funeral costs since way back in 2004, so we’re well equipped with the facts and figures that’ll help you decide just how much you need to cover yours when the time comes. We’ve even put together a funeral cost calculator that’ll give you the average cost of a funeral in your area.

To give you a rough idea, we know that in 2017 the average cost of a basic funeral in the UK was around £4,100*, which is a huge increase compared to 2004 when a funeral cost £1,920. Funeral costs have more than doubled and we predict they’ll continue to rise, which is why we’ve designed a funeral plan that guarantees to cover your chosen funeral services no matter how much the cost grows.

We’ve got you covered, whatever happens

It’s very frustrating when you try and be prepared by taking out out a funeral plan then, when the time comes, your family find it won’t pay for your chosen funeral services anymore, leaving them to cover the shortfall. But with the SunLife Guaranteed Funeral Plan, we ensure that your chosen funeral services are paid for. You simply choose the plan that’s right for you and, as long as you continue paying your premiums when due and have had your plan for at least two years, you can have peace of mind that we’ve got it covered. And that’s a promise.

It’s important to choose a plan you can afford, so bear in mind premiums (your monthly payment) increase each year for a maximum of 20 years and you could pay in more than the cost of your funeral services. If you want to know more about how our funeral plans work, give our friendly team a call and they’ll be happy to explain everything to you.

three generations of family enjoying a walk along the beach

Your protection, our promise

Our funeral plan offers you a safer way to pay. It’s currently one of the only plans that pays for funeral costs that has Financial Services Compensation Scheme (FSCS) protection, giving you extra assurance.

At SunLife, we’re also regulated by the Financial Conduct Authority (FCA), the regulator for financial services, which ensures member firms meet high standards and act responsibly by always putting customers’ interests first.

Put your trust in us

We are older than you might think – SunLife’s been around for over 200 years and counting. We’ve got a long history of providing our customers with peace of mind, knowing that we’ll be here to take care of their loved ones when they’re gone. In fact, more people trust us with their over 50s life cover than any other provider**.

Helping people over 50 is what we do best, and we love it. That’s why we’re committed to providing customers with online services that’ll help them every step of the way.

Here’s just some of our tools that could be useful for you:

Funeral Cost Calculator

Find out the average cost of a funeral and funeral costs in your area to help you can plan for the future.

My Perfect Send-off

Record and keep your funeral wishes safe for when the time comes.

My Digital Legacy

Learn all about what happens to your online affairs when you’re gone and plan your digital wishes.

couple doing research on a phone and a laptop

We’ve made it affordable, for you…

Leaving your family with the financial burden of funeral costs can be a worry, and for some people paying a large lump sum or costly monthly premium to help with funeral costs might not be possible. That’s why we’ve made the SunLife Guaranteed Funeral Plan the most affordable way to pay for your funeral, starting from less than £10 a month. Our friendly team are just a phone call away – ready to discuss the options that meet your needs and offer a funeral payment plan that you can afford.

Hearing how much a basic funeral costs nowadays makes many of us want a cheap and simple affair – not to mention all the extra costs like flowers and catering. So it came as no surprise that when we asked people who recently organised a funeral what they wanted for their own, the most popular answer was for it to be ‘as cheap as possible’*. Saying goodbye with a more simple funeral, such as a direct cremation can be a preference for many. It’s less expensive and can be less formal than a ‘traditional’ funeral. A personal celebration of life can be held when and where desired, with the people you want there. If you think a direct cremation could be right for you, our team will be happy to discuss it with you further.

three generations of a family enjoying a meal together

Here for you

Talking about your funeral is never nice, but it really pays to plan ahead. At SunLife, our telephone application process is straightforward, enabling you to simply put your funeral plan in place and leave the details to sort later.

If you choose the SunLife Guaranteed Funeral plan, you can rest assured knowing we’re here for you and your family.

* SunLife Cost of Dying Report 2017.
** Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics - 12 months up to 31 December 2017.
For a 50 year old buying our most affordable plan.

Whenever you’re ready, we’re here for you

You can get a quote or give us a call on 0800 904 7649 to talk about your plan today. You can also request a call back.

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 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.