Funeral

It’s straightforward, cost effective, with a fast payout, so your loved ones don’t have to worry.

Our Cash Funeral Plan enables you to make a single payment or pay in a little money each month, over a period of time of your choice, to build up a Cash Sum.
The Cash Sum earns inflation-linked interest for life and when you die it is paid to the recipient you have nominated to receive it within 24 hours of a payout request, without them having to wait for the distribution of your estate.
It ensures loved ones have an inflation-linked Cash Sum when it’s needed to pay towards a funeral and other associated costs.

Cash is best, it’s that simple

Loved ones having an inflation-linked Cash Sum available at the point of need can be a straightforward, cost effective way to pay your funeral fees, allowing your money to go further.
Paying at the point of need can mean savings of up to 25% compared to the cost of a Prepaid Funeral Plan. Prepaid Funeral Plans include charges and administration fees and as well as having many exclusions.
Our Cash Funeral Plan has the benefit of enabling you to deal with the financial aspects now, locking in today’s prices, giving you peace of mind and removing the financial worry from loved ones.

It is this straightforward

  • Select the plan amount
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  • Pay by a single payment or by a number of equal monthly instalments
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  • The plan earns inflation-linked interest
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  • On death the inflation-linked cash sum is paid out before probate, direct to the recipient you have nominated

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Unique benefits of our plan

  • Pay money in and on death the plan pays out a cash sum direct to the recipient you have named.
  • You never pay in more than is paid out.
  • The plan is paid out within 24 hours of a payout request, before probate as it is outside your estate, so it is there when it’s needed.
  • The plan locks in today’s prices as it is inflation-linked.
  • The recipient does not have any rights to the cash sum until your death.
  • You can change the recipient at anytime.
  • You can cash-in your plan at anytime.

Cost and Payout Comparison

Over 50 Life Insurance v Bequest Direct Inflation-linked Cash Plan

Compare SunLife Bequest Direct
Inflation linked payout
Never pay more than paid out
You can cash your plan in
Paid out direct to recipient

Limitations of Prepaid Funeral Plans

See what is excluded in Prepaid Funeral Plans

Select a plan to cover your chosen level of funeral

£1,600
  • Single payment £1,600
  • Pay monthly from £6.67 a month

The Government's Money Advice Service suggests a £1,600 budget to cover a direct cremation.

A direct cremation is typically a simple arrangement:

  • Basic coffin
  • Transportation of deceased
  • Small or unattended ceremony
  • Return of ashes

Select this plan to arrange for a £1,600 Inflation-linked cash sum to be paid to a nominated recipient on your death.

You nominate the recipient during the sign up process.

The savings and benefit of receiving an inflation-linked cash sum can mean for the same cost as a Prepaid Funeral Plan your loved ones are able to pay all associated costs relating to your funeral, not just the elements a Prepaid Funeral Plan would include.

 

Examples of future payout

  • 10 years £1,984
  • 20 years £2,368
  • 30 years £2,752

Assuming 2.4% yearly inflation and paid by single payment.

£2,750
  • Single payment £2,750
  • Pay monthly from £11.46 a month

A Level 1 Prepaid Funeral Plan typically includes:

  • Basic coffin
  • No limousines
  • Direct to the crematorium or burial site
  • Restricted times

Cost of a Prepaid Funeral Plan comparable to this level

  • Dignity £2,895*
  • Co operative £3,295*
  • Golden Charter £2,895*

Select this plan to arrange for a £2,750 Inflation-linked cash sum to be paid to a nominated recipient on your death.

You nominate the recipient during the sign up process.

The savings and benefit of receiving an inflation-linked cash sum can mean for the same cost as a Prepaid Funeral Plan your loved ones are able to pay all associated costs relating to your funeral, not just the elements a Prepaid Funeral Plan would include.

 

Examples of future payout

  • 10 years £3,410
  • 20 years £4,070
  • 30 years £4,730

Assuming 2.4% yearly inflation and paid by single payment.

£3,150
  • Single payment £3,150
  • Pay monthly from £13.13 a month

A Level 2 Prepaid Funeral Plan typically includes:

  • Wood effect coffin
  • No limousines
  • Direct to the crematorium or burial site

Cost of a Prepaid Funeral Plan comparable to this level

  • Dignity £3,295*
  • Co operative £3,595*
  • Golden Charter £3,495*

Select this plan to arrange for a £3,150 Inflation linked cash sum to be paid to a nominated recipient on your death.

You nominate the recipient during the sign up process.

The savings and benefit of receiving an inflation-linked cash sum can mean for the same cost as a Prepaid Funeral Plan your loved ones are able to pay all associated costs relating to your funeral, not just the elements a Prepaid Funeral Plan would include.

 

Examples of future payout

  • 10 years £3,906
  • 20 years £4,662
  • 30 years £5,418

Assuming 2.4% yearly inflation and paid by single payment.

£3,550
  • Single payment £3,550
  • Pay monthly from £14.79 a month

A Level 3 Prepaid Funeral Plan typically includes:

  • Quality coffin
  • One limousine
  • To the service then on to the crematorium or burial site

Cost of a Prepaid Funeral Plan comparable to this level

  • Dignity £3,650*
  • Co operative £3,950*
  • Golden Charter £3,850*

Select this plan to arrange for a £3,550 Inflation linked cash sum to be paid to a nominated recipient on your death.

You nominate the recipient during the sign up process.

The savings and benefit of receiving an inflation-linked cash sum can mean for the same cost as a Prepaid Funeral Plan your loved ones are able to pay all associated costs relating to your funeral, not just the elements a Prepaid Funeral Plan would include.

 

Examples of future payout

  • 10 years £4,402
  • 20 years £5,254
  • 30 years £6,106

Assuming 2.4% yearly inflation and paid by single payment.

£3,750
  • Single payment £3,750
  • Pay monthly from £15.63 a month

A Level 4 Prepaid Funeral Plan typically includes:

  • High quality coffin
  • Two limousines
  • To the service then on to crematorium or burial site

Cost of a Prepaid Funeral Plans comparable to this level

  • Dignity £3,895*
  • Co operative £4,199*
  • Golden Charter £4,099*

Select this plan to arrange for a £3,750 Inflation linked cash sum to be paid to a nominated recipient on your death.

You nominate the recipient during the sign up process.

The savings and benefit of receiving an inflation-linked cash sum can mean for the same cost as a Prepaid Funeral Plan your loved ones are able to pay all associated costs relating to your funeral, not just the elements a Prepaid Funeral Plan would include.

 

Examples of future payout

  • 10 years £4,650
  • 20 years £5,550
  • 30 years £6,450

Assuming 2.4% yearly inflation and paid by single payment.

*Prices correct at 21st May 2019

To see all our Inflation-linked Payable on Death cash plan amounts click here