I did it
I did it
With a funeral plan, you can ensure that the basic costs and arrangements are sorted so that, when the time comes, your loved ones will have one less thing to worry about. You can choose from three plans to suit your needs, as well as your pocket. And it’s simple to sort out, leaving you to get on with enjoying life.
When choosing a funeral, it can be difficult to know where to start – that’s where we come in. There are different funeral plans to choose from - from a simple funeral to something a little more special. And, we have two payment options to choose from depending on your budget.
Sorting out your funeral in advance is easier than you might think. You can choose your funeral plan in a few simple steps. And then, when the time comes for your funeral to be arranged, all your family will need to do is contact your allocated funeral director, who will put the arrangements for your plan in place. They will also provide your family with help and support at an emotional time.
It’s a fact - funerals aren’t getting any cheaper. The average cost of a funeral has risen 87% from 2004 to 2014 and is now £3,590*. So it’s more important than ever to have something in place to help pay for your funeral.
Some people think it’s better to just put some money away in savings. But it’s easy to dip into your savings - and once it’s gone, it’s gone. By taking out a funeral plan today, you can protect yourself against rising funeral prices. You’ll also ensure that your family and friends can celebrate your life and not have to worry about making difficult decisions or ending up with a big bill – as most of the cost will be taken care of.
*Source: Average of quotes for standard cremation and burial arrangements from a sample of funeral directors. YouGov, July 2014.
We’re here to make choosing a funeral as simple as possible. It’s why we offer a range of plans to meet your needs – giving you the peace of mind you need to get on with life. And when it comes to something as important as choosing your funeral, you should feel sure that you’re dealing with the experts. We’ve been helping people plan for the end of their life for over 35 years and we’re the UK’s best financial services company, as voted by our own customers†.
And to help you get the best possible funeral service, we’ve teamed up with Golden Charter. They represent the UK’s largest network of independent funeral directors – with over 3,300 local funeral directors around the country. When the time comes, your Funeral Director will then take care of everything. They will provide vital support to your family at a difficult time, from organising the funeral, as well as being there on the day to make sure everything goes just the way you want it.
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Everybody is different, which is why we offer three different plans, which you can choose to suit you. Can’t decide which plan is right for you? Don’t worry, the table below shows you the different levels of cover our plans offer, as well as an indication of costs so you can compare and choose the right one for your needs. For each of these plans, you can choose either a burial or cremation.
There are some costs outside the control of our funeral directors – these include doctors’ and clergy fees as well as the service at a local crematorium or cemetery – so it’s understandable that we can’t cover everything. But to help, we provide an allowance towards these costs that increases every year. It’s our way to ensure we cover as much as we can. There’s more information about this in the table below.
This covers all the funeral arrangements for a burial or cremation that the funeral director makes on behalf of your loved ones. Your funeral director will provide guidance on all aspects of the funeral arrangements and help your loved ones to complete the certification and registration of the death and other related documents.
Your funeral director will provide your loved ones with a range of quality coffins to choose from, which also includes a personalised name plaque.
Your funeral director will arrange the transportation of the deceased to a suitable resting place within 15 miles of your address.
Your funeral director will arrange for the care of the deceased before the burial or cremation. This does not include embalming. This feature also covers the use of a chapel of rest or service rooms.
If included in your plan, your loved ones will be able to view the deceased in the chapel of rest, rest rooms or service rooms, during normal office hours.
All plans cover the cost of the hearse and attendants. Each limousine can seat up to 7 people.
Our plans include an allowance towards the doctors’ fees needed to complete a medical certificate for a cremation. These costs are out of our control but to help towards covering these fees, we increase this allowance every year. But depending on the cost of these services at the time of your funeral, there may be a shortfall which will need to be met by your next of kin.
Our plans include an allowance towards the cost of a service at a local cemetery or crematorium, and also fees for clergy or an officiant to attend the service. These costs are out of our control but to help towards covering these fees, we increase this allowance every year. But depending on the cost of these services at the point of claim, there may be a shortfall which would need to be met by your next of kin.
If included in your plan, your funeral director will provide your loved ones with confidential advice and resources about bereavement. This would also include a recommendation for a local bereavement counsellor.
Our plans cover most features of a traditional funeral, but they do not include flowers, catering, order of service cards, burial plot or headstone, a religious or non-religious service before the burial or cremation, or any specific requirements at the crematorium, such as an organist or choir. If you would like your funeral director to arrange any other services not already included in your plan, these can be arranged for an extra charge.
If you have the money right now, paying it off in a single payment gives you the reassurance that your funeral plan is paid for so you can get on with your life
If you are looking for lower, fixed monthly payments, you can pay for your funeral by taking out a life insurance policy.
There are two different ways to pay – you can pay in one go or you can pay monthly with a life insurance policy.
*Monthly premium depends on your age when you take out a plan.
If a funeral plan is out of your budget, but you’d still like to do something to help with funeral costs, why not look at the Guaranteed Over 50 Plan? It has low premiums, to suit most pockets, starting from just £4 a month.
Funerals aren’t cheap and thinking about paying for your funeral may feel daunting. At SunLife, it’s our goal to make it as easy as possible for you to afford the funeral of your choice. That’s why we offer two different payment options, depending on your budget.
And the great news is, by taking out a funeral plan you won’t need to worry about how much funeral costs will increase in the future.
Prices from £3,285, depending on the funeral plan you choose.
If you have the money right now, paying it all off in a single payment gives you the reassurance that your funeral plan is paid for so you can get on with your life. This option is available to UK residents, aged 50 and over. You can pay by debit or credit card – it’s up to you. If you’d like to know more about this payment option, please read the terms and conditions.
Prices from £22.36 a month, depending on your age and the funeral plan you choose.
If you are looking for lower, fixed monthly payments, you can pay for your funeral by taking out a life insurance policy. This option is available to UK residents aged 50 to 80. Unlike many insurance policies, you won’t need to have a medical or answer any health questions – your acceptance is guaranteed.
You’ll need to pay a fixed premium by Direct Debit every month until you’re 90, or until death if earlier. Then, as long as you have been paying premiums for at least two years, when you die the policy pays a cash sum directly to Golden Charter. Your Golden Charter funeral director will then arrange your chosen funeral services. If you die within the first two years of taking out the policy, your chosen funeral services would not be provided. All the premiums paid plus an extra 20% would be paid to Golden Charter. Your Golden Charter funeral director will use this money towards your funeral but the balance of your funeral costs would need to be paid by your next of kin. You will need to be sure you can pay your premiums when due as if you stopped you wouldn't get anything back and your funeral services would not be provided.
When the time comes, your loved ones could decide to receive the cash sum instead of the funeral services. If they choose to do that, they may get back less than you have paid in. The cash sum may also be subject to Inheritance Tax.
If you’d like to know more about this payment option, please read the terms and conditions.
Here's an example of how the payment options work, based on based on a 65 year old who chooses The Standard Plan.
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The average cost of a
UK funeral rose 87% from 2004 to 2014 and is now £3,590
Watch our video about the importance of funeral planning
Thinking about planning your funeral may not be easy, but in this guide you’ll find lots of useful tips to help get you started.
This website contains information on how these funeral plans work. As the website does not contain advice, you need to be satisfied this type of funeral plan meets your needs. If you are unsure and need advice, please visit www.unbiased.co.uk to find an Independent Financial Adviser in your area - you may have to pay for the financial advice provided. Alternatively, if you have any questions about the plan, you can call us on 0800 904 7649.
†Source: In 2014, Critical Research conducted research on behalf of SunLife. They anonymously asked SunLife customers to name the financial services company they considered best in terms of product quality, value and customer care. More respondents named SunLife than any other brand.
Golden Charter provides the funeral services for our funeral plans. They represent the UK’s largest network of independent funeral directors, with more than 3,300 local independent funeral directors across the country.
Any extras can be discussed and arranged with your allocated funeral director. Please note, if any of your requests incur additional costs which are not included in your plan, either you or your loved ones will need to arrange for these to be paid.
You can choose to have either a burial or cremation – it’s up to you. You just need to be aware that the cost of the burial plot is not covered by the plan. You or your loved ones will need to arrange the cost for your burial plot and headstone separately.
It’s really straightforward. When you take out a plan, you will receive a welcome pack containing contact details for your funeral director. You should let someone know where this is kept. Then when the time comes, your family will need to inform the funeral director of the death and provide a death certificate (which the funeral director can help with). The funeral director will take care of all the other arrangements.
Golden Charter will allocate a local funeral director from their network of over 3,300 independent businesses. If you wish to change the appointed funeral director for any reason, you can contact Golden Charter who will do their best to find a suitable alternative, although this cannot be guaranteed.
There’s a risk that if you don’t tell your family, they may make their own separate funeral arrangements. What happens then, depends on the way that you pay for your plan:
If a funeral home closes or changes hands, Golden Charter will undertake to find a replacement funeral director to carry out the funeral.
The information you have been provided does not contain advice regarding whether these funeral plans are suitable for you. Therefore it's very important that you read and understand the terms and conditions.
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View the terms and conditions (PDF 0.44MB) if you pay in one go View the terms and conditions (PDF 0.50MB) if you pay monthly with life insurance