Unbiased Sunlife Funeral Plans Review - The Insurance Co. Sunlife.co.uk

Sunlife Funeral Plans Review 

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Limitations of Sun Life Over 50 Funeral Plans 

  • If you pay monthly, the amount you end up paying may be more than the cost of the funeral plan if you live longer 
  • Paying monthly means you'll be in a contract for a life Insurance policy with Phoenix Life Limited (and Golden Charter to arrange the funeral plan services). - It may be simpler to go direct or find an alternative pre paid funeral without being tied to life insurance which is not usually how it works but may work for some. 
  • The allowance or contribution towards disbursements/third party costs is not clear and you'll only receive that when you get a 'membership pack' - most providers are upfront with this amount. 

How much are SunLife Funeral Plans? (Click to expand) 

What we dislike about SunLife funeral plans?

What we like about SunLife plans?

What's guaranteed?

Will my money be safe? 

What's included in their funeral plans? 

What's NOT included in their funeral plans? 

What happens if I die before paying off the SunLife funeral plan?

What's SunLife's Defaqto rating?

What are the cancellation fees?

What if I move house?

What if Sunlife or Golden Charter go out of business?

How is a funeral plan different than an over-50s' life insurance plan?

Our Opinion on SunLife funeral plans

Although their website is very clear with their terms & conditions of either getting a Golden Charter funeral plan through Sun Life, or paying monthly and using a life insurance policy, they don't state what the third party allowance is (maybe they would if you have them on the phone?) until you get their 'membership pack'.  We're not sure what the benefit of using SunLife is as apposed to going direct to Golden Charter, either.

  • Third party allowance not disclosed - meaning your family may have a lot more to payout when the time comes
  • Unsure on the benefits of using Golden Charter through Sun Life - going direct may be more cost effective?
  • The pay monthly option, as it's a life insurance related, is protected by the Financial Services Compensation Scheme (FSCA)
  • Main financial products are provided by Phoenix Life Limited/AXA Wealth Ltd

SunLife funeral plan customer reviews

Sunlife Feefo Reviews

Sunlife Reviews on Trustpilot

Review by Fairer Finance

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"After my father passed without any arrangements, I had to sort everything out, it was difficult. I quickly decided that I didn’t want to leave my kids with that kind of burden. Now, I pay a small monthly amount and it’s such a relief..." -  Steve Bailey, Hertfordshire

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