If you’re over 60, then it’s possible to arrange funeral cover through Reassured beginning from £22.81 a month^.

The funeral cover we offer comes in the form of an insurance policy which guarantees to cover the cost of your funeral after two years.

This is called the SunLife Guaranteed Funeral Plan.

It’s a safe and easy way to set money aside for your funeral and protect loved ones from unforeseen costs when you pass away.

The application is quick and easy as you don’t have to provide any medical information and acceptance is guaranteed if you’re in your 60s.

At Reassured, we can’t compare quotes for ordinary funeral plans that you’ll find elsewhere on the market.

However, we can help you arrange a SunLife Guaranteed Funeral Plan which is an insurance policy designed to cover the cost your chosen funeral services after two years.

Make the most of our award-winning broker service to get your free, personalised, no-obligation funeral cover quotes.

In this article, we explain the cost, features and benefits of funeral cover for over 60s.

What is a funeral plan for over 60s?

A SunLife Guaranteed Funeral Plan for over 60s allows you to pay for your funeral in advance and protect loved ones from this cost when the time comes.

It also allows you to record your final wishes and choose the services you’d like to have included as part of your final send-off.

You pay a monthly premium to keep the cover in place, and after two years, a pay out is guaranteed when you pass away.

Making financial provisions for your funeral today can help to alleviate a lot of stress and worry for your loved ones while they’re going through an upsetting time.

Why buy a funeral plan for over 60s?

A SunLife Guaranteed Funeral Plan can give you peace of mind knowing that your loved ones won’t be burdened with the cost of your funeral in the future.

Funerals can be very expensive and can cause considerable financial strain for a family when they need to pay upfront fees to the funeral provider.

The average cost of a basic funeral in the UK is currently £4,056 and the average cost of all the additional extras, such as flowers and a memorial, is £2,484 on top[1].

Having funeral cover in place is an affordable way to pay for your key funeral services ahead of time, and reduce financial worry for your loved ones.

What does a funeral plan cover?

The SunLife Guaranteed Funeral Plan arranged through Reassured covers essential funeral directors' services for either a cremation or burial.

We offer two different levels of cover depending on your needs and budget:

What does a funeral plan for over 50s cover most popular plan

Most popular cover option

Traditional

  • A cremation (or contribution for a burial)
  • Return of ashes to loved ones
  • A smart coffin
  • A funeral service
  • A hearse
What does a funeral plan for over 50s cover more comprehensive plan

More comprehensive cover 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 the Traditional and Traditional Plus cover options also include the following:

  • 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)
  • Minister or celebrant fees
  • 24/7 professional guidance and bereavement counselling

For more information on the funeral cover options we offer, don’t hesitate to get in touch with our award-winning team.

We'll compare prices and features to help you secure the best funeral cover for you.

How much is a funeral plan for over 60s?

When taking out a SunLife Guaranteed Funeral Plan through Reassured, the cost of your plan is calculated based on your age and the level of cover you choose.

You’ll pay for your plan in monthly premiums until you turn 90 (or until you pass away).


The table below shows the beginning premium for each funeral cover option according to an applicant’s age:

Applicant ageTraditionalTraditional Plus
60£22.81£27.38
65£26.26£31.52
69£30.62£36.75

Guaranteed pay out after two years

Once you have paid a minimum of 24 monthly premiums, your plan will guarantee to cover the cost of your chosen services when you pass away.

For your free, personalised funeral cover quotes contact our dedicated team.

Compare under 60 funeral plan prices

The table below compare prices of ordinary funeral plans available on the market, offered by some of the top providers in the UK.

There are typically four different types of plans available, including: basic, standard, mid-level and comprehensive plans.

Comprehensive plans offer the most amount of cover and will include elements such as a high-quality coffin and limousines.


Prices quoted below are for the fixed cost of a plan, but providers also give you the option to spread the cost in monthly instalments:

Basic plansStandard plansMid-level plansComprehensive plans
Co-op£3,095£3,595£3,995£4,295
Dignity£3,095£3,495£3,850£4,195
Avalon£3,645N/A£3,995£4,245
Golden Charter£2,895£3,495£3,850£4,099

The information in this table was taken from the separate providers websites and is accurate as of 07/04/2022
Please note, Reassured is unable to compare quotes for the types of funeral plans listed in this table

What’s not covered in a funeral plan?

Most funeral plans, including the SunLife Guaranteed Funeral Plan arranged through Reassured, won’t cover the following costs:

  • Flowers
  • Memorial or headstone
  • Catering
  • Venue hire
  • Additional limousine hire
  • Embalming
  • Doctors' fees

Funeral plan over 60 vs life insurance over 60

One alternative to a SunLife Guaranteed Funeral Plan (or other type of funeral plan) is a life insurance policy.

Life insurance provides a cash pay out when you pass away which can also be used to pay for your funeral services.

The option that’s better for you will depend on a variety of factors, including your personal circumstances and budget.

Some people prefer to take out life insurance because they’re not ready yet to make arrangements for their funeral, but want to set aside some funds to help their loved ones when that time comes.


Here are some key differences between funeral cover for over 60s and life insurance for over 60s:

Funeral coverLife insurance
Allows you to plan and pay for your chosen funeral services in advancePays out a cash lump sum to loved ones if you pass away while the policy is active
Pay out is issued to assigned funeral director, or could be issued as a cash sum to loved ones if they wishFunds can be used to cover funeral costs as well as other essential costs
Guarantees to cover your chosen funeral services after two yearsSum assured up to £1,000,000 depending on the policy you choose and your personal circumstances
Guarantees acceptance to UK residents aged 50 - 80Term and lifelong policy options available
Choice of plans available to suit different budgetsA monthly premium must be paid while your policy is active
A monthly premium must be paid while your plan is activeMedical questions asked (excluding over 50s plans which guarantee acceptance to people aged 50 - 85)
No medical questionsMost policies can be written in trust to avoid or minimise inheritance tax (IHT) and avoid probate (Reassured provide a free trust writing service)

See our full life insurance vs funeral plan guide for more information »

As someone over 60, you may consider the following types of life insurance:

  • Over 50 plan
    Guarantees a cash pay out when you pass away. Suited to those in their 60s who may have a pre-existing medical condition, as acceptance is guaranteed. Small sum assured, ideal for covering funeral costs
  • Term-based life insurance
    Provides a cash pay out if you pass away during the term of the policy. Ideal for covering funeral costs, mortgage repayments, bills, and daily living costs. Usually the cheapest form of cover.
  • Whole of life insurance
    Guarantees a cash pay out when you pass away. Suited to those in their 60s who are in good health. Ideal for covering funeral costs and leaving behind an inheritance

Find out which option may be best for you by contacting Reassured today.

We compare multiple life insurance and funeral cover quotes on your behalf, free of charge.

A funeral plan and life insurance

It’s possible to have both a SunLife Guaranteed Funeral Plan and a life insurance policy in place simultaneously.

Whilst this might not be suitable for everyone, it does provide maximum financial protection for loved ones after you’re gone.

A form of funeral cover and a life insurance policy can serve different purposes:

  1. A SunLife Guaranteed Funeral Plan to ensure your key funeral costs are covered in advance and that your final wishes are recorded
  2. A life insurance policy to provide financial security, cover other funeral related costs and/or leave as an inheritance

Discover your options by getting in touch with our award-winning team today.

Compare quotes for funeral plans for over 60s

Reassured is an award-winning broker that has helped thousands of customers arrange their funeral cover for over 60.

SunLife logo


Key features of the SunLife Guaranteed Funeral Plan available through us:

  • 100% pay out protection. Policies come with FSCS protection
  • Guaranteed acceptance if you’re a UK resident aged 50 - 80
  • No health or medical questions during the application
  • Guarantees to cover your chosen funeral services after two years
  • Immediate accidental death cover from when you take out cover

A member of our specialist funeral cover team can provide you with all the information you need for the options we have available and the decision is all in your hands.

We can also complete the application form on your behalf, saving you the hassle.

Make the most of our FREE quote service today by getting in touch.

Sources:

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

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  • 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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