SunLife funeral plans review

Key points:

  • You can only pay monthly
  • Your money is fully protected
  • Should you die after 2 years your funeral costs will be covered
  • You can buy the SunLife funeral plan over the telephone or online
  • This is a life insurance backed funeral plan payable until you are 90

Read our Sunlife funeral plan review to understand the benefits and pitfalls. Funeral costs have risen significantly over recent years, so it's important to make the right choice. Once you have read this review, you can compare funeral plans not only in terms of costs, but also benefits and guarantees

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About SunLife?

This funeral plan review will focus on SunLife, the market leading over 50 life insurance provider.

SunLife has roots going back over 200 years, so a well established business and the first company to launch Over 50s life insurance back in 1979. In addition to offering over 50 life insurance, SunLife also offer general life insurance, car insurance, home insurance, pet insurance, equity release and the SunLife funeral plan.

Which funeral plans do SunLife offer?

SunLife offer direct cremation and two ‘guaranteed’ funeral plans through their relationship with Dignity.

Traditional – this Sunlife funeral plan includes the funeral director’s services as listed, a hearse, a standard coffin, cremation fees or a contribution towards burial fees.

Traditional Plus – this Sunlife funeral plan includes the funeral director’s services as listed, a hearse, two limousines, a high-quality coffin, cremation fees or a contribution towards burial fees.

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Which services are guaranteed?

The all important part of the funeral plans review that helps you understand if there will be anything left for the family to pay:

  • Guaranteed Services

On the basis that SunLife funeral plans are the same as the Dignity funeral plans then all of the services included in the plan for a cremation are completely guaranteed.

  • Service Not Guaranteed

All of the services as listed in the plans for cremation are fully guaranteed.

For burial the funeral directors services are guaranteed but the burial fees aren’t. Instead there is an allowance of £1,010 to help pay towards these costs.

Will there be more for my family to pay?

With regards a cremation funeral, the one thing your family may need to pay for is a second death certificate if required.

Additional costs for burial depend on the fees charged in your area. The SunLife Traditional and Traditional Plus plans include an allowance of £1,010 which increases each year by 3.5% that can be used for burial fees, minister’s fees and any additional costs such as help with the burial plot. The family will need to pay the additional balance if these fees are higher than the allowance included at that time.

How can I be sure my money is safewith SunLife?

With a SunLife funeral plan your money is placed in a life insurance plan and not a trust fund.

This means that any money paid into the plan is protected by the Financial Services Compensation Scheme (FSCS) so as long as you pay your monthly premiums when due, you will always get the services you paid for, regardless of what happens in the future.

In addition, Dignity is registered and regulated by the Funeral Planning Authority which ensures the services received are in line with their strict rules and code of practice.

Payment Options

With the SunLife funeral plan you only have the option to pay by monthly premiums. The cost depends on the level of service you choose and your age. You are covered for your chosen funeral services after two years but continue paying your monthly premiums either for life or until you are 90. This means there is a chance you could pay more in monthly premiums than the actual cost of the funeral – it all depends on how long you live.

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Is there an age limit?

You have to be aged between 50 and 80 to buy a SunLife Funeral Plan.

Can I choose a burial or cremation funeral?

The Traditional and Traditional Plus plans can be used for either a cremation or burial service.

Who will my funeral director be?

The services will be provided by a Dignity Funeral Director. Dignity has 800 of their own Funeral Directors.

Can I cancel my SunLife funeral plan?

As you are paying your money into a life insurance plan, if you stop paying your premiums for any reason the cover would cease and no money would be paid back. So if you are considering a SunLife guaranteed funeral plan, it is worth checking whether you are comfortable continuing to pay the premiums when they start to increase.

What happens if I move?

If you move the your SunLife funeral plan moves with you at no extra cost.

Do Sunlife offer any additional features?

SunLife Funeral plans come with a £100 gift card (as at 31/3/22) from time to time, so it's worth checking to see what the current offer is.

Our Sunlife funeral plans review verdict

With a SunLife Funeral Plan your money is protected by the Financial Services Compensation Scheme (FSCS) and you are covered for your funeral services after you have been paying into the plan for just 2 years. So, if you are in ill health or perhaps have family history with fairly young mortality rates, then this funeral plan may be worth considering.

Monthly premiums are payable until age 90 or the rest of your life and increase annually for a set period of time. This means you could end up paying in more than the cost of the funeral. You may also want to check you can comfortably afford the rising premiums.

Our offer

We have chosen to partner with Golden Leaves as their Silver, Gold and Platinum plans are competitively priced and fully guarantee your cremation & ministers fees at today's prices. This means your family will have nothing more to pay for the services included.

And Golden Leaves are the only company to offer monthly payment plans with immediate cover. So you can choose a plan you can afford, comfortable in the knowledge you are fully covered immediately for the services included.

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Updated 10th December 2021
by Ashley Shepherd
Ashley Shepherd

Ashley is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

claire shepherd
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