SunLife Guaranteed Funeral Plan

- Guarantees to cover a funeral’s cost
- Beginning from just £9.19 a month1
- Guaranteed financial protection2
- Free £100 gift card *

What is a Funeral Plan?

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A funeral plan lets you plan and pay for your chosen funeral services in advance, so your loved ones don’t have to worry. The SunLife Guaranteed Funeral Plan is one of the most affordable plans in the UK and guarantees to cover the costs of your chosen funeral services when you pass away – once you’ve had your plan for at least two years and no matter how much funeral prices rise.

- Beginning from just £9.19 a month1
- 100% payout protection2
- Guaranteed to cover the costs of your chosen funeral services

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.

- The safer plan – You have 100% payout protection2
- The trusted plan – SunLife have paid over £305 million in claims3 across their product range
- Enjoy a free £100 gift card to say thank you for choosing SunLife *

What does the SunLife funeral plan cover?

The SunLife Guaranteed Funeral Plan offers three levels of cover. To compare the difference between the three levels of cover offered, use the comparison panels below (Direct Cremation is not available for non-mainland postcodes).


  • - An unattended cremation
  • - Return of ashes to loved ones
  • - A simple coffin


  • - A cremation (or burial contribution)
  • - Return of ashes to loved ones
  • - A smarter coffin
  • - A cremation service
  • - A hearse


  • - A cremation (or burial contribution)
  • - Return of ashes to loved ones
  • - A high quality coffin
  • - A cremation service
  • - A hearse
  • - Two limousines
  • - Transportation to a separate ceremony (e.g. a church service)5
save on life - Life Insurance explained

Answers to your funeral plan questions

Is a funeral plan worth it?

How does the Guaranteed Funeral Plan work and is my money safe?

Can I have a burial with a SunLife funeral plan?

Who provides the funeral? Can I choose?

Who is Dignity?

What’s not included in my SunLife funeral plan?

What if I buy a plan then move house?

How do you know funeral costs are rising?

When the time comes, how does my family make a claim?

What happens if I stop paying?

Can I have more than one funeral plan/funeral benefit option?

Important Information

For those aged 50-80 premiums increase each year for a maximum of 20 years and are payable until age 90 or earlier death.

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 increases. If your monthly premiums stop, your plan will end and your funeral services would not be provided.


1 For a 50 year old buying the direct cremation plan.
2 The 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 As at 07.01.2019
4 SunLife (2022), Cost of Dying Report
5 Please 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)

* Gift Terms And Conditions

Gift sent after 6 months’ premiums paid.

SunLife reserves the right to withdraw this offer at any time, or limit the total number of gifts
for each customer.

SunLife can stop the issue of a gift to any customer who has previously held and cancelled a SunLife policy.

To prevent fraud and comply with anti-money laundering regulations, SunLife may ask for proof of identity before fulfilling any gift.

SunLife will cancel any gift should we discover or have a reasonable suspicion that the terms of the offer are being abused.

Please note that gifts are subject to availability. In the event of your chosen gift not being available, an alternative of the same value will be offered.

The card belongs to the Park Card Services Ltd of Valley Road, Birkenhead, Merseyside, CH41 7ED.

By using the card you are deemed to accept Love2shop terms and conditions.

Full Love2Shop terms and conditions are available here.

The Small Print

Not all products are available outside of mainland UK, please call us on 0345 054 2706 to discuss if you have any queries.

This website contains information on how these funeral plans work. It does not contain advice, so you need to be satisfied this type of funeral plan meets your needs. If you are unsure and need advice, please visit to find an independent financial adviser in your area.

Phoenix Life Limited is the provider of your policy and trades as SunLife. 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). Dignity Funerals Ltd arranges and provides the funeral services. 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.