Compare Funeral Cover Quotes

  • Compare free, no-obligation funeral cover quotes
  • Choose a level of cover to suit your needs and budget
  • Guaranteed acceptance (no medical questions asked)
  • Peace of mind with 100% pay out protection
  • Premiums beginning from £19.18 a month ^
Compare funeral plan quotes summary

Funeral cover arranged through Reassured is available via the SunLife Guaranteed Funeral Plan.

The SunLife Guaranteed Funeral Plan is a type of insurance policy which guarantees to cover the cost of your chosen funeral services after two years.

It’s an easy and affordable way to set money aside for your funeral and protect your loved ones from unexpected costs when the time comes.

Acceptance is guaranteed if you’re a UK resident aged 50 - 80 and the application doesn’t include any health or medical questions.

Take advantage of our fee-free, award-winning broker service by getting in touch today.

In this funeral cover guide, we explain the features and the benefits of funeral cover arranged through us.

What is funeral cover?

Funeral cover arranged through Reassured is available in the form of an insurance policy which is designed to cover your key funeral services when you pass away.

It’s one way to protect your loved ones from unforeseen costs and alleviate financial worry for them when the time comes.

Having funeral cover in place also means that they won’t have to organise your entire funeral from scratch while going through a distressing time.

How does funeral cover work?

Funeral cover arranged through Reassured is provided by SunLife and the funeral services are carried out by a trusted local funeral director when the time comes.

With the SunLife Guaranteed Funeral Plan, you’ll pay a monthly premium to keep cover in place and SunLife will guarantee to pay out for your chosen funeral services after just two years of payments.

The pay out will be issued to the nominated funeral director or, alternatively, it can be issued as a cash lump sum to your loved ones.

The SunLife Guaranteed Funeral Plan comes with FSCS protection and is an FCA-regulated life insurance policy.

Funeral cover options

There are two different funeral cover options available through Reassured.

With both options you can choose whether the services included are for a cremation or burial funeral.

What's included in traditional funeral plan

Most popular option

Traditional

  • A cremation (or contribution for a burial)
  • Return of ashes to loved ones
  • A smart coffin
  • A funeral service
  • A hearse
What's included in comprehensive funeral plan

A more comprehensive option

Traditional Plus

  • A cremation (or contribution for a burial)
  • Return of ashes to loved ones
  • A high quality coffin
  • A funeral service
  • A hearse
  • Two limousines
  • Transportation to a separate service (for example, a church service)¤

¤Separate service costs not covered in the plan

Both types of funeral cover above also include the following:

  • Cremation fees and minister or celebrant fees
  • Collection, preparation and care of the deceased
  • Help with death registration and organising the paperwork for a cremation
  • Special requests certificate to record additional final wishes (cost of special request services not covered in a plan)
  • 24/7 professional guidance and bereavement counselling

Both funeral cover options can be taken out to cover a burial instead of a cremation. If your chosen funeral is a burial, then a contribution is provided towards burial fees.

How much does funeral cover cost?

The cost of funeral cover arranged through Reassured will depend on which SunLife Guaranteed Funeral Plan you choose and your age.

The table below shows beginning monthly premiums for the Traditional Plan and the Traditional Plus Plan for different ages:

AgeTraditionalTraditional Plus
50£19.18£23.02
60£22.81£27.38
70£32.01£38.42
80£61.00£73.22


Comparing a range of the best funeral cover options and prices will help you to find the most suitable option.

Get in touch with Reassured to secure the cheapest funeral cover quote available to you.

Compare funeral plan prices

The table below compares prices for conventional funeral plans offered by other leading providers in the UK.

The monthly prices are based on a 50 year old spreading the cost of a plan over the maximum payment term and paying the minimum deposit amount.

Payment terms and deposit requirements vary between providers.

Basic plansStandard plansMid-level plansComprehensive plans
Co-op£3,095 or from £18.96 a month£3,595 or from £22.17 a month£3,995 or from £24.65 a month£4,295 or from £26.55 a month
Dignity£3,095 or from £38.25 a month£3,495 or from £42.53 a month£3,850 or from £46.32 a month£4,195 or from £50.01 a month
Avalon£3,645 or from £35.06 a monthN/A£3,995 or from £38.52 a month£4,245 or from £40.99 a month
Golden Charter£2,895 or from £13.59 a month£3,495 or from £16.45 a month£3,850 or from £18.15 a month£4,099 or from £19.34 a month

The information in this table was taken from the separate providers websites and is accurate as of 03/03/2022
Please note, Reassured doesn’t arrange funeral plans on behalf of the providers compared in this table

How much does a funeral cost?

In 2021, the average cost of a cremation funeral was £3,765 and the average cost of a burial funeral was £4,927[1].

Although a final send-off can cost more or less depending on the location, which services are included, and how much is spent on additional elements such as flowers and a wake.

Many people worry about how their loved ones will afford to cover this large expense, particularly at short notice.

Arranging funeral cover can bring you and your family peace of mind that most of the costs have been taken care of ahead of time and with minimal fuss.

Cost of funerals infographic desktop

How much does a funeral cost in your area?

Calculate the average cost of a funeral where you live. Select from the options below.

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Average funeral cost

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Protect loved ones from unexpected funeral costs. Arrange funeral cover today.

This calculator uses data from the SunLife Cost of Dying Report 2021 and should only be used as a guide.

Funeral cover comparisons

As mentioned, the funeral cover arranged through Reassured comes in the form of an insurance policy which is designed to cover the cost of your funeral.

This makes it different to ordinary funeral plans you’ll find available on the market.


The table below shows the key features of the Guaranteed Funeral Plan offered by SunLife, compared to funeral plans offered by some of the UK’s biggest funeral plan providers:

SunLifeCo-opGolden CharterGolden Leaves
Guaranteed acceptance (no medical questions) List icon
Yes, if aged 50 - 80
List icon
Yes, if aged over 18
List icon
Yes, age restrictions apply with some payment plans
List icon
Yes, any age
Guarantees to cover your chosen funeral services (if paying by monthly payments) List icon
Yes, after two years
List icon
Yes, after one year
Cross
No, if you pass away before finishing your payments then the shortfall will need to be paid by your estate or family
Cross
No, if you pass away before finishing your payments then the shortfall will need to be paid by your estate or family
Accidental death cover if paying by monthly instalments List icon
Immediate cover
List icon
Immediate cover
Cross Cross
For cremation, are crematorium fees covered in full or is there a contribution towards these? List icon
Covered in full
List icon
Covered in full or contribution provided, depending on the plan
List icon
Contribution of £1,100
List icon
Covered in full or contribution provided, depending on the plan
For burial, are cemetery fees covered in full or is there a contribution towards these? List icon
Contribution of £1,010
List icon
Covered in full or contribution provided, depending on the plan
List icon
Contribution of £1,100
List icon
Contribution provided, depending on the plan
100% pay out protection (FSCS) List icon Cross Cross Cross

The information in this table was taken from the separate providers' websites and is accurate as at 14/02/2022. Reassured can not compare quotes for all the providers mentioned

Funeral cover for senior citizens

The maximum age limit for funeral cover arranged through Reassured is 80.

However, if you’re aged between 50 - 85 then you may consider the alternative option of an over 50s plan (over 50s life insurance).

Many people take out an over 50s plan as a way to set money aside for their funeral costs.

Over 50s plan key features:

  • Guarantees to pay out a cash lump sum when you pass away
  • Money can be spent however your loved ones wish
  • Guarantees acceptance if you’re aged 50 - 85 (no medical questions)
  • Potential pay out amount up to £20,000
  • Fixed monthly premiums from £5 a month +

Get in touch with Reassured to compare free quotes for over 50s plans.

SunLife guaranteed funeral plans

As discussed, the funeral cover arranged through Reassured is provided by SunLife.

We can help you set up a SunLife Guaranteed Funeral Plan without charging you a single penny for our service.

SunLife logo


Funeral cover key features:

  • Choose from two different funeral cover options based on your needs and budget
  • After two years the cost of your chosen funeral services will be covered
  • You’re guaranteed to be accepted if you’re a UK resident aged 50 - 80
  • No medical or health questions, meaning a quick and easy application
  • 100% pay out protection
  • Funeral cover comes with FSCS protection
  • Premiums beginning from £19.18 a month

A member of our friendly team can provide you with all the information you need to make an informed decision about which funeral cover option is right for you.

Like Reassured, SunLife is regulated by the Financial Conduct Authority (FCA).

SunLife is also a highly rated company, receiving the Feefo Platinum Trusted Service Provider Award in 2022.

Funeral cover FAQs

Who can buy a funeral cover?

Anyone over the aged between 50 - 80 can buy funeral cover through Reassured.

Acceptance is guaranteed if you’re a UK resident within this age bracket. This means you don’t need to provide any health or medical information when applying for cover.


Is funeral cover safe?

Yes, funeral cover arranged through us is safe to purchase. This because the funeral cover we offer is an FCA regulated life insurance policy.

The FCA is the conduct regulator of financial services in the UK. Ordinary funeral plans available on the market aren’t yet regulated by the FCA, but they will be from the 29th July 2022.

Also, the insurance policy which pays for the funeral cover provided by SunLife also comes with protection from the Financial Services Compensation Scheme (FSCS).

The FSCS will provide adequate compensation if SunLife were unable to cover the cost of your chosen funeral services when they’re needed to be carried out.


What’s not included with funeral cover?

Whilst you can have peace of mind that your key funeral costs are covered when the time comes, there are some elements that funeral cover won’t include as standard.

These include:

  • Flowers
  • Embalming
  • Alternative hearses
  • Funeral notices
  • Extra limousines or executive cars
  • Burial plot
  • Catering/wake
  • Memorial
  • Live music

What happens if I move home?

The funeral cover you arrange through Reassured can be taken with you if you move home. You won’t be charged a fee to change your address.

The SunLife Guaranteed Funeral Plan is accepted by 800 funeral homes across the UK.


How do my family make a claim?

When you take out a SunLife Guaranteed Funeral Plan through Reassured, you’ll receive a welcome pack in the post which will contain all the details your family will need when you pass away.

Ensure that they know where to find the welcome pack, it’s usually best to keep it with other important documents such as your Will.


What is the difference between life insurance and funeral cover?

Life insurance and funeral cover are two different types of financial protection for you and your loved ones.

Life insurance is designed to pay out a cash lump sum if you pass away while your policy is active.

The money can be spent however your loved ones see fit, which may include paying for the funeral.

On the other hand, funeral cover is designed to cover the cost of your key funeral services in advance.

It allows you to make specific arrangements for your final send-off, which can alleviate a lot of stress for loved ones when the time comes.

For a more detailed comparison, head to our life insurance vs funeral cover article.

Sources:

[1] https://www.sunlife.co.uk/siteassets/documents/cost-of-dying/cost-of-dying-report.pdf/

Related articles:

Our Providers

  • The SunLife Guaranteed Funeral Plan is an insurance policy which after two years guarantees to pay for your chosen funeral services
  • SunLife is authorised and regulated by the Financial Conduct Authority
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Very easy to understand and very quick

Yes very pleased with my choice very helpful easy to understand and very pleasant transaction all good!

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Very professional and reassuring. Life insurance sorted in about 10 minutes.

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Really genuine kind and compassionate team with great knowledge and friendly approach highly recommend them!

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I must say Jake took me through every step and was brilliant, recommend them anytime.

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Very happy and everything explained well, so glad a took the time to take the call, normally I would say I'm busy. But compared to other company's we save so much more money.

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