This article is currently undergoing maintenance

Please note, as of 1st February 2022, Reassured no longer sell conventional funeral plans.

However, we can instead offer funeral cover via the SunLife Guaranteed Funeral Plan, which is an insurance policy that guarantees to pay for the funeral services included in their plans after two years of continued payments.

SunLife Guaranteed Funeral Plan key features:

  • Prices beginning from £19.18 month^
  • Guaranteed acceptance ages 50 - 80
  • Pay out guaranteed after two years
  • 100% pay out protection with FSCS

^For a 50 year old buying a traditional plan with premium increases of £0.95 per year rising to £38.18 per month. Premiums will vary depending on your age and the plan you choose. Pricing correct as of 1st February 2022

Funeral insurance quote

Secure affordable funeral insurance today using our award-winning broker service.

At Reassured, we compare multiple funeral insurance quotes to find you the best available deal.

Why take out funeral insurance with us?

  • Financial Conduct Authority (FCA) authorised life insurance broker
  • Funeral Planning Authority (FPA) approved funeral plans
  • Award-winning customer service
  • 'Excellent' Trustpilot rating (50,000+ reviews)
  • No-obligation, free of charge service

If you’re looking to arrange insurance for funeral expenses you may consider either a funeral plan or a life insurance policy, such as an over 50s plan.

Contact our award-winning team to discuss your funeral insurance cover options and to compare funeral insurance quotes.

What is funeral insurance?

Funeral insurance refers to the financial provisions put in place to ensure that your funeral costs are covered ahead of time.

However, whilst funeral insurance is a term often used, it isn’t actually a product in its own right.

Funeral insurance can either take the form of a funeral plan or a life insurance policy.

Policy type Policy description
Prepaid funeral plan A prepaid funeral plan allows you to pay for and plan your own funeral in advance. You’ll be able to see the breakdown of costs, control how much you spend and freezes today’s funeral rate. Secure a funeral plan from £19.11* per month through Reassured.
Over 50s insurance The most common form of life insurance used to cover funeral costs is an over 50s plan. UK applicants aged between 50 and 85 years are guaranteed acceptance with no medical questions and a cash lump sum pay out is guaranteed when you pass away. Secure an over 50s plan from 20p-a-day with Reassured.
Whole of life insurance A whole of life insurance policy guarantees to pay out a cash lump sum when you pass away. This type of policy is well suited to those in the later stages of life and in good overall health, as you’ll need to provide medical information. Secure whole of life cover from 20p-a-day with Reassured.
Term-based life insurance Term-based life insurance is less commonly used specifically to cover funeral costs. A pay out is made if you pass away during the term of the policy. Level term or decreasing term life insurance can be the most cost-effective form of life cover. Secure term-based cover from 20p-a-day with Reassured.

Get in touch with our award-winning team today to arrange either your funeral plan or life insurance protection.

Why do I need funeral insurance?

Having a funeral plan or over 50 plan in place gives you peace of mind that your funeral costs will be covered when the time comes.

This is especially important as funeral costs are rising year on year, faster than inflation.

In fact, since 2004, the average cost of a basic funeral has risen 128%[1].

In just 5 years’ time, a basic funeral could more than £5,000.

This is a substantial expense to leave behind for family to deal with, especially if it’s unexpected.

Emphasising the importance of having funeral insurance in place to protect them.

Freeze funeral costs

A prepaid funeral plan is the only form of insurance that can freeze today’s funeral costs.

This is because plan providers guarantee the services included in their plans, at the price you pay today.

So no matter how much funeral costs rise, your loved ones will have nothing more to pay towards the services in a plan when the time comes.

Cost of funerals infographic

How much does a funeral cost in your area?

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

Please fill in the required fields

Average funeral cost

£ 0

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 insurance plans UK

Essentially, funeral insurance plans or prepaid funeral insurance refer to a prepaid funeral plan.

A prepaid funeral plan can be purchased to secure your funeral costs in advance.

It also allows you to manage your own funeral arrangements, sparing your loved ones from this difficult task.

Your choice of funeral plan may be influenced by which funeral director you wish to use.

As some funeral directors’ work in association with specific funeral plan providers.

Or, you may choose a funeral plan provider that works with their own network of funeral directors.

Such as the Co-op, who have a network of over 1,000 funeral directors in the UK.

There are various funeral plan packages available, providing plenty of choice so that you can find a funeral plan that suits your needs and budget.

There’re usually various payment options available. You can either pay:

  • A one-off payment covering the full cost of the plan
  • 12 monthly payments
  • An instalment payment plan spread over a number of years, (plus instalment

Funeral insurance plans arranged through Reassured

There are a number of benefits for taking out a funeral plan through us.

  • Get a quick, personalised quote for each of the plans we have available
  • All funeral plans include essential funeral director services, guaranteed at today’s prices
  • Plans are approved by the Funeral Planning Authority (FPA)
  • Funeral costs are covered after 12 months if you choose to pay by instalments

Read our in-depth article on the pros & cons of a prepaid funeral plan.

Does life insurance cover funeral costs?

Yes, life insurance can cover funeral costs if this is how your loved ones wish to spend the proceeds.

Whether that’s term-based, whole of life insurance or over 50s insurance.

But it will depend on the arranged level of cover, (sum assured).

For example, an over 50s plan only provides a sum assured of between approximately £3,000 and £20,000.

A basic funeral costs on average £4,184 in the UK and so if the sum assured secured is at the lower end of this scale, then there may not be enough to cover the total cost of dying.

Although, many people do take out an over 50s plan to cover their funeral costs.

A whole of life or term-based policy can offer a much higher sum assured than an over 50s plan.

Proceeds can be used to cover your funeral costs, as well as pay off the mortgage or outstanding debt.

However, applications for whole of life and term-based policies require details of your medical history (which could mean higher premiums if your health isn’t good).

Contact Reassured today to arrange your funeral expense insurance, whether that be a life insurance policy or a funeral plan.

Funeral insurance policy

A funeral insurance policy may refer to a life insurance policy taken out specifically to cover funeral costs.

This tends to be an over 50s plan, but could also be a whole of life policy.

Both types are forms of life assurance.

This means that you’re covered for the whole of life, and a pay out is guaranteed (or assured) when you pass away.

Beneficiaries can use either pay out towards your funeral or however they deem fit.

Over 50s plan

  • Guaranteed acceptance between 50 - 85
  • No medical information required
  • Quick and easy application
  • Sum assured up to £20,000
  • Guaranteed cash pay out
  • Fixed premiums
  • Waiting period applicable (12 or 24 months)

Whole of life insurance

  • Immediate and rest of life cover
  • Medical information required
  • Guaranteed cash pay out
  • Sum assured up to £1,000,000
  • No waiting period
  • Fixed premiums

Premium payments for both an over 50s plan and a whole of life policy are required until you pass away, or until you reach a particular birthday such as your 90th (depending on the insurer).

Over this period time, and depending on when you pass away, you could end up paying more in than the value of the policy.

Unlike term-based insurance, in which you would pay premiums only during the term of the policy and a pay out is made only if you pass away during this time.

Contact our award-winning team today to discuss your options and secure the right funeral insurance for you.

Funeral insurance cost

How much does funeral insurance cost?

The cost of your funeral insurance will depend on the type of policy or funeral plan.

Secure life insurance from just 20p-a-day

Life insurance premiums are determined by your age, health, smoking status, level of cover and the sum assured.

Therefore, the cost of life insurance will vary according to your individual circumstances and the level of risk you may pose to the insurer.

An over 50s plan differs in that premiums are calculated by your age and the level of cover.

Due to this, the sum assured for an over 50s plan is much lower (up to £25,000) and premiums may be more expensive (depending on your age).

Life insurance with Reassured starts from as little as 20p-a-day.

Secure a funeral plan from just £19.11 a month

Funeral plans are a fixed price regardless of your circumstances and are valued based on your chosen tier of plan.

Once the value of your plan has been paid, you’ll no longer be required to make payments and your plan remains in place until it’s required.

Funeral plans arranged through Reassured start from as little as £19.11 a month.

Cheap funeral insurance

Your personal circumstances will determine the cheap funeral insurance you’re able to achieve.

Put simply, the younger and healthier you are, the cheaper your life insurance premiums.

For some people, a funeral plan is the cheaper funeral insurance option.

This may be because, due to their health, life insurance premiums are too high.

A funeral plan may also work out cheaper in the long run, as the price you pay is fixed.

You’ll also be able to select a plan that’s within your budget, plus freeze current funeral costs.

Unlike life insurance in which you could pay premiums for an indefinite amount of time and the proceeds aren’t protected from spiralling funeral costs.

Cheap funeral insurance can also be achieved by comparing all the options available and by comparing quotes.

At Reassured, we can compare multiple funeral plans and/or life insurance quotes on your behalf, helping you find the cheapest deal.

Seniors funeral insurance

Seniors funeral insurance is much the same as funeral insurance for anyone.

But between the ages of 50 and 85, you’ll have the option of an over 50s plan.

If you’re a senior in good health, then you could secure a whole of life policy.

The age limit for a whole of life policy tends to be the mid-80s.

Though, like an over 50s plan, your age will affect the cost of your premiums.

Term-based life insurance is available for applicants up to the age of 84.

Though the maximum term-length would be 5 years and premiums will be very high.

As a result, this form of life insurance may not be suitable for seniors.

It’s possible to secure senior life insurance from just 30p-a-day.

A funeral plan guarantees acceptance regardless of your health or age.

The application is straight forward and you can choose to pay in full upfront for immediate cover.

Therefore, a funeral plan may provide a simple funeral insurance solution to protect your loved ones.

Whether you’re over 50, 70 or even 80 years our dedicated team can help you secure senior funeral insurance.

Without funeral insurance in place

Without adequate provisions, the burden of paying for your funeral could fall to loved ones.

This is because most funeral costs will need to be paid for upfront before funds can be recovered from your estate.

Not only can this be complicated as dissolving the estate can take time, but it also reduces the amount left for your loved ones once the funeral costs have been deducted.

If your estate is not profound enough to cover the cost of your funeral, your family will be responsible for covering the shortfall.

In many cases, this results in loved ones having to borrow money, sell personal belongings or even take out loans.

Putting in place adequate funeral insurance can avoid putting your loved ones in this position.

Life insurance with funeral cover

Whilst the average cost of a funeral in the UK is £4,184 there are a large number of additional costs associated with dying, such as legal advice, taxes and probate.

As a result, this brings the current average cost of dying to a staggering £9,263.

Most of these additional costs won’t be covered by your funeral plan and therefore, could financially burden your loved ones.

It’s possible, budget permitting, to simultaneously have a prepaid funeral plan and a life insurance policy in place; offering your loved one’s comprehensive funeral insurance.

Buying a prepaid funeral plan will freeze funeral costs and provide you with the option to arrange your own funeral.

Then a percentage of the life insurance pay out could be used to pay off other associated costs.

Arranging both life insurance and a funeral plan through an independent broker, such as Reassured, ensures you get the right solution, at the best price.

Burial insurance

In the UK, burial insurance is actually another term for funeral insurance, but specifically for a burial.

Though you can’t take out burial insurance per se, you can take out a funeral plan to cover the cost of your burial.

Funeral plan prices usually don’t vary if you have either a burial or a cremation.

Sometimes burial fees are covered in the plan and you’ll be able to choose a suitable coffin.

Unfortunately, as prices for burial plots vary greatly across the UK, it’s not possible to insure a burial plot.

This is why burial plots are also not included in the cost of a funeral plan.

Best funeral insurance

The best funeral insurance will be the one that’s most suited to your needs and budget.

For example, a funeral plan may be the best form of funeral insurance if you’d prefer to have control over your own funeral arrangements.

Especially if your loved ones aren’t aware of your end of life wishes.

In fact, according to a survey conducted by Sunlife, 1 in 5 of their participants didn’t know any of their loved ones’ funeral wishes at all.

To help you decide on the best funeral plan, see our top 10 funeral plans article.

On the other hand, the best funeral insurance may be a life insurance policy.

Life insurance can be used to cover all the necessary costs associated with dying, but may also leave behind a cash sum for loved ones to enjoy as inheritance or any way they wish.

Contact our award-winning team for all the information you need to make an informed decision and to secure the best funeral insurance for you.

Compare funeral insurance quotes

Compare multiple funeral plans and life insurance quotes using an award-winning broker such as Reassured.

By doing this, we can help you find the best funeral insurance to meet your budget and unique requirements.

We’ll provide all the information you need so you can make a fully informed decision.

Our award-winning service is completely fee-free to use.

Take the first step on your funeral insurance journey and protect the future of your loved ones today.


*£19.11 per month pricing includes a £75 discount only available to Co-operative members and is based on a 50-year-old purchasing a Co-operative Simple Funeral Plan at £3,020 over the maximum term available of 25 years (total amount repayable £5,733.40) as of 1st March 2021

[1] SunLife (2021), Cost of Dying Report,

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
SunLife Logo

Very easy to understand and very quick

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

Mrs M Rushworth

Very professional and reassuring

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

Stephen Davies

very courteous and friendly

very courteous and friendly. Polite professional and empathic.

Stedroy Fenton

Another happy customer

Another happy customer I am. They are very professional and kind. Fully communicative. I recommend.

Piotr Stepien

Really attentive during the call

Really attentive during the call, good clear guidance throughout. Well done.

Michael Reynolds

Amazing service

Amazing service quick fast and easy and Joey was a star on the phone really help me thanks.

Sera Woolley

I made the right choice and now I feel…

I made the right choice and now I feel relieved that I did.


Really genuine kind and compassionate…

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

Katelia Merritt

I must say Jake took me through every…

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

Allan Green

Very happy and everything explained…

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.

Jenny Berry