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 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?
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...
SunLife Guaranteed funeral plan reviews
Customers have chosen SunLife’s plan to help pay for their funerals.
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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.
Helpful planning tools
Make your funeral wishes known and record them for FREE with My Perfect Send-off.
This guide explains what needs to be done, with tips and checklists, to make a difficult time a bit easier.
Answers to your questions
A: Today, the average cost of a funeral is over four thousand pounds4. A funeral plan that guarantees to cover the cost of your chosen funeral services can help reduce the financial pressure on your family when the time comes and before your estate has been sorted.
A pay monthly funeral plan can also help if you want to cover funeral costs but don’t have a lump sum to pay in advance. As with any financial decision, there are important things to consider before taking out a funeral plan. Read what is a funeral plan and important information to make sure you understand our plan.
A: Your monthly payments will be paid into a life insurance policy provided by Phoenix Life Limited. Once you’ve had your plan for at least two years, the cost of your chosen funeral services will be covered whenever you pass away, as long as you fully pay all your premiums when due.
A: When you take out a SunLife Guaranteed Funeral Plan, you can relax knowing it comes with protection from the Financial Services Compensation Scheme (FSCS)2.
The Financial Services Compensation Scheme (FSCS) is there to protect your money in the unlikely event that Phoenix Life Limited were to go out of business and were therefore unable to meet their obligations. In this instance, you would be able to claim your money back via the FSCS. Many other companies that offer funeral plans don’t come with this protection.
A: Yes – with Traditional and Traditional Plus, you can choose a burial instead of a cremation if you wish. In this case, an allowance is provided towards the burial costs instead. The cost of a burial varies widely across the UK. So, while the burial cost allowance does increase each year, we cannot guarantee it will cover the full cost.
A: The funeral services are provided by Dignity (the funeral provider). They will allocate a funeral director at the time of need. Then, when you pass away, the life insurance payout goes directly to the funeral provider and they make the chosen funeral arrangements with your family.
A: Dignity Funerals Ltd are one of the UK’s leading funeral providers. With over 800 funeral directors all over the country, they offer the highest standards of care. We’ve teamed up with them to provide the funeral services covered in your plan. So, when the time comes, we will pay the money from your Guaranteed Funeral Plan directly to Dignity. They will let your loved ones know where your nearest funeral director is located and will carry out your chosen funeral services.
If you choose direct cremation, your funeral will be carried out by Simplicity Cremations, who are part of Dignity, and were named the ‘Best Direct Cremation Provider’ 2018 (Good Funeral Awards 2018).
A: This depends on the type of cover you choose, but anything that is not in your plan summary won’t be included. For burials, an additional monetary contribution can be required by the family to cover the higher costs of a burial.
As standard, our funeral plans will not cover extra services such as flowers, orders of service, death notice, wake venue hire, catering and memorials. Any costs incurred for any additional service (eg. A church service) is also not included and would need to be paid for at the time.To get an idea of funeral costs with the additional extras, you can use our funeral cost calculator.
If a medical certificate is required, this would incur an additional cost.
A: The funeral provider has 800 funeral directors all over the country, so if you move house just give us a call on 0800 904 7649 to notify us of your new address, and they will be on hand when the time comes. For Direct Cremation, this must remain within mainland UK.
A: The average cost of a basic funeral in the UK today is over four thousand pounds (based on the average of the cost of a burial and the cost of a cremation in the UK)4. SunLife have carried out comprehensive, annual research over the last 16 years which shows that funeral costs have more than doubled since then and are predicted to be on average over five thousand pounds in the next 5 years. You can find the average cost of burials and cremations in your area by downloading our Cost of Dying report.
The SunLife Guaranteed Funeral Plan guarantees to cover the cost of a funeral when you pass away – no matter how much you’ve paid in, or how much prices rise.
how does my family make a claim?
A: It’s really straightforward. When you take out a plan, you’ll receive a welcome pack containing contact details for Dignity. Please make sure you let someone know where this is kept. When you pass away, your family just need to call them and they’ll advise what happens next.
I stop paying?
A: If you stop making your monthly payments or cancel, your plan will come to an end, you won’t get anything back and your chosen funeral services will not be provided.
A: Unfortunately, you can only have one funeral plan, and you cannot have a funeral plan and a Funeral Benefit Option (available with some over 50s life insurance). If you have any questions, please call on 0800 008 6060.
my free gift?
A: You'll receive your FREE £100 gift card after you've made 6 monthly payments. It's yours to spend across thousands of high street stores including Argos, Boots, Currys PC World, Halfords, Iceland, Marks and Spencer, Matalan and Wilko. Full terms and conditions apply.
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.
3Funeral costs are based on the average of the cost of a burial and the cost of a cremation in the UK. SunLife Cost of Dying Report 2022.
4Please note, any costs incurred for the separate ceremony would need to be paid for at the time.
5British Heart Foundation: SunLife will pay £1 from the first payment of every plan to the British Heart Foundation, Registered Charity Number: 2259717 (England and Wales) and SC039426 (Scotland).
6SunLife is highly rated for customer experience on Feefo and Trustpilot
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.