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The Protected Funeral Payout Plan has been withdrawn from sale. If you are an existing customer and have any questions about your policy, please get in touch.

Protected Funeral Payout Plan

A safe, easy way to cover your funeral costs, with affordable premiums that never rise

What is the funeral payout plan?

SunLife's Protected Funeral Payout Plan is life insurance that covers the cost of your chosen funeral, no matter how long you live.

You just pay an affordable monthly premium (which never rises) and then you can relax knowing your chosen funeral services are covered, even if funeral prices go up in the future.

FSCS protected logo

Feel protected. The life insurance plan which pays for the funeral comes with FSCS protection. FSCS is the Financial Services Compensation Scheme.

Compare funeral options

When you get a quote you can choose either a direct cremation or a traditional funeral.
Funeral services are provided by leading funeral service provider, Dignity.

Direct cremation

From £11.37 a month

  • An unattended cremation
  • A simple coffin
  • Ashes are provided for loved ones

Benefits: Very affordable, loved ones can arrange a separate service or send off wherever they wish.

What's not included: A service, burial option, headstone or doctor’s fees.

Traditional funeral

From £23.72 a month

  • A cremation with a service for loved ones
  • A smarter coffin and a hearse
  • Ashes are provided for loved ones

Benefits: Includes a traditional send-off with a hearse and a smarter coffin.

What's not included: A headstone or doctor’s fees. A burial can be arranged at extra cost.

Good things to know

  • It's affordable – your premiums will NEVER go up
  • It's safe – your plan covers the cost of your funeral,  no matter how much prices rise in future. Plus it's FSCS protected
  • It's easy – no medical or tricky paperwork, you can be covered in a matter of minutes
  • You're already accepted – if you're aged 50 to 80 and a UK resident, you're in
  • You'll get peace of mind – with immediate cover if you die in an accident and full cover after one year
  • It's flexible – your loved ones can take a cash payout instead of the chosen funeral services if they wish

Our funeral payout plan compared to a ‘pre-paid funeral plan‘

  • With our plan, your loved ones can choose to take the payout when you die instead of the funeral, if they wish. With a pre-paid funeral, they typically do not get this option.
  • Pre-paid funeral plans may allow payment by a single lump sum or in a fixed number of monthly instalments. This product is paid for with monthly premiums for life.
  • Our plan is only available to people aged 50 or over. A pre-paid funeral plan is often available to anyone 18 or over.
  • If the pre-paid funeral plan has a waiting period and you cancel the plan within that period you will receive a refund of your premiums paid. Our plan does not refund premiums if you cancel at any time.

Important to know:

  • You're only fully covered after you've had the plan for one year. After that, the cost of your chosen funeral services will be covered when you pass away.
  • Premiums are payable for life. If you stop paying your premiums, your insurance will end, you won't get anything back and your funeral won't be provided.
  • Depending on how long you live you could pay more in than the cash sum paid out.
  • If you take the cash payout rather than the Dignity funeral, it may not cover your chosen funeral services with a different provider.
  • If the funeral provider ceases trading, SunLife will instead pay out the cash sum on your death.
  • For full product details, read our Terms & Conditions, including the Policy Summary.

The average cost of a funeral in the UK

At SunLife we run the UK's longest running research into the cost of dying.

The latest figures from our 2023 Cost of Dying Report


The average cost of a burial in the UK


The average cost of a cremation in the UK

See how much a funeral costs in your area

The cost of a funeral varies around the UK. Find out the average cost of a burial or cremation where you live, based on 18 years of research.

Funeral Cost Calculator

Help with planning a funeral

Funeral planning isn't something we think about often, but a little forward thinking can really help your loved ones. Get started today with our helpful tips and tools.

Woman smiling while sat typing on laptop

Step-by-step guide to funeral planning

Read our simple guide

Funeral song generator

Discover your funeral song
Gentleman reading the newspaper

How to get help with funeral costs

Find out about support

Answers to your questions

Sources and Information

 The payout from your plan can be taken as a cash lump sum if your loved ones tell us that's what they'd prefer.

 The life insurance plan which pays for the funeral comes with FSCS protection. FSCS is the Financial Services Compensation Scheme.

 Funeral 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 2023.

 Guaranteed acceptance – is for UK residents aged 50-80.

 From £11.37 a month – based on a 50 year old non-smoker choosing a direct cremation funeral option. Rates may change at any time.

 From £23.72 - based on a 50 year old non-smoker choosing a traditional funeral option. Rates may change at any time.

For additional verifications please visit the verify page.

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 the SunLife Protected Funeral Payout Plan works. This website does not contain advice, so you need to be satisfied this type of policy meets your needs. If you are unsure and need advice, please visit to find an Independent Financial Adviser in your area (you may have to pay for the financial advice provided).

Phoenix Life Limited is the provider of your policy and trades as SunLife. SunLife limites distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG, United Kingdom (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). 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 undertaking any regulated activities in regards to the Protected Funeral Payout Plan. Dignity Funerals Ltd is a member of the National Association of Funeral Directors.