Guaranteed Funeral Plan
“The safer way to pay for your funeral”
– Carol Vorderman
Guaranteed Funeral Plan
"The safer way to pay for your funeral" - Carol Vorderman
Cover rising costs with a funeral plan
The SunLife Guaranteed Funeral Plan is an insurance policy which guarantees to pay for your chosen funeral services, provided by Dignity.
Our guarantee
Considerations
This is an insurance policy not a savings plan, so there is no cash in value.
Premiums start lower and go up each year for a maximum of 20 years to keep up with rising funeral costs.
Premiums are payable until age 90 unless you die earlier.
Depending on how long you live, you could pay in more than the cost of the funeral.
You need to pay all premiums when due, including annual increase.
If your monthly payments stop, your plan will end, and your funeral services would not be provided.
Cover rising costs with a funeral plan
The SunLife Guaranteed Funeral Plan is an insurance policy which guarantees to pay for your chosen funeral services, provided by Dignity.
- This is an insurance policy not a savings plan, so there is no cash in value.
- Premiums start lower and go up each year for a maximum of 20 years to keep up with rising funeral costs.
- Premiums are payable until age 90 unless you die earlier.
- Depending on how long you live, you could pay in more than the cost of the funeral.
- You need to pay all premiums when due, including annual increase.
- If your monthly payments stop, your plan will end, and your funeral services would not be provided.
- What if I want to be buried?
Compare our funeral plans
All our levels of cover include the following:
Why choose the SunLife Guaranteed Funeral Plan?
As well as one of the most affordable ways to pay for your funeral, the SunLife plan2 comes with guaranteed financial protection from the Financial Services Compensation Scheme (FSCS) – so you know your money is 100% safe, no matter what.
(Almost) everything you need to know about the SunLife Guaranteed Funeral Plan in 60 seconds...
Video transcript
SunLife Guaranteed funeral plan reviews

Customers have chosen SunLife’s plan to help pay for their funerals.
With over 200 years’ experience we know what makes great service. That’s why we’re a Feefo Platinum Trusted Service Provider.
But don’t take our word for it, see why people like you have given us 4.8 stars for our service. Based on 5208 reviews over the past year.
Great experience
Very quick and easy to use website, clear explanations and reasonably priced
Questions? Read our FAQs
Read more about funeral planning
Funeral planning isn’t something we think about every day, but a little forward thinking can really help your loved ones. Get started today by reading our helpful tips and tools.
Answers to your questions
Important
1For a 50 year old buying our direct cremation plan.
*Gift sent after 6 months’ premiums paid. We reserve the right to withdraw this offer at any time. Full terms and conditions apply.
2The life cover which pays for the funeral comes with FSCS protection. For more information read our FAQ on how the Guaranteed Funeral Plan works and how your money is safe.
3£401,261,664 paid out in claims as at 28th May 2020
4Funeral costs are based on the mean average of the cost of a burial and the cost of a cremation in the UK. SunLife Cost of Dying Report 2021.
5Please note, any costs incurred for the separate ceremony would need to be paid for at the time.
Full Guaranteed Funeral Plan terms and conditions (PDF)
Legal and regulatory information
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 SunLife Guaranteed Funeral Plans work. This website does not contain advice, so you need to be satisfied this type of 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 (you may have to pay for the financial advice provided). If you have any questions about the product, you can call our UK team on 0800 904 7649.
Who are SunLife and who provides the SunLife Guaranteed Funeral Plans?
SunLife Limited distributes financial products and services. Registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG, United Kingdom. Registered in England and Wales, number 05460862. SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (reference number: 769427).
Phoenix Life Limited trades as SunLife and is the provider of the policy that is designed to pay for your Dignity funeral. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG, United Kingdom. Registered in England and Wales, number 1016269. Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (reference number: 110418).
Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP, United Kingdom. Registered in England and Wales, number 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.