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How can funeral insurance help?

British Seniors Funeral Insurance Plans can help you protect your loved ones from the financial pressures of paying for a funeral. According to our research, funeral costs in the UK have been steadily rising in the last number of years, and unfortunately show no signs of slowing down. The cost of a funeral can be a lot to take on for a family at short notice. Our Funeral Insurance Plans can help to take away some of this stress.  

British Seniors Funeral Insurance Plan is a life insurance policy designed to provide a lump sum to your loved ones to help with funeral costs and other expenses, when the time comes. It is not a pre-paid funeral or a funeral plan. This makes it different and gives you more choices with your funeral. Prices start at just £4.32 a month1 for peace of mind that when the time comes your family will have some financial support. You are guaranteed acceptance if you are a UK resident aged 50-80. You can speak to one of our team in the UK today to secure your very own Funeral Insurance Plan. 

Select a Funeral Insurance Plan

Gold

Offers a benefit of:

£5,500

Gold
  • Could cover a large part of the average cost of a funeral with a burial or a cremation2
  • Could cover the cost of a superior quality coffin or urn
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Silver

Offers a benefit of:

£4,000

Silver
  • Could cover a large part of the cost of a typical funeral with a burial or a cremation2
  • Could cover the cost of a high-quality coffin or urn
Select
Tell me more

Bronze

Offers a benefit of:

£2,000

Bronze
  • A contribution toward a burial or most of the cost of an unattended cremation2 
  • Could cover the cost of a good-quality coffin or urn
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Not sure how much cover you need?

When it comes to thinking about how much a funeral will cost, it can be hard to know where to begin. If you would like some detailed guidance, you can check out our funeral planning guide for more information. Here are some of the important things to consider: 

Location 

The cost of a funeral can depend on where you live in the UK. For example, London is currently the most expensive place for a funeral, and the South West of England is the least expensive. 

Cremation or burial? 

While a burial is seen as more traditional, cremations have become more commonplace as a choice for a lot of people. There are different costs and considerations involved with both.  

Service type 

This doesn’t just boil down to whether you want a religious ceremony. There are plenty of minute details that go into a funeral service that can range from the catering to the flowers. 

Making these decisions sooner rather than later can help lift the stress from your loved ones during an emotional time. One of the benefits of choosing a British Seniors Funeral Insurance Plan is that you will get a free Will Kit worth £100. This offers a simple and effective way to help you get your affairs in order.

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Would you prefer a burial or a cremation?

The cost of a funeral

According to our research, Funeral costs in the UK have been steadily rising from 2016 to 2021 and do not appear to be slowing down. A British Seniors Funeral Insurance Plan is affordable, with premiums starting from £4.32 per month1. This can help take some of the pressure away from your loved ones.

While it might be uncomfortable to think about your own funeral, making these decisions now can help to make things easier. You should note that there is no guarantee that a Funeral Insurance Plan will cover the cost of your funeral. The lump sum will be paid to your legal beneficiaries, and it is up to them to decide how this money is spent. If you need some guidance on where to start with planning your funeral, you can check out our Funeral Planning Guide. 

Example costs

Average price2

Funeral Director

£2760

Cremation

£3635

Burial

£4068

Memorial / headstone / plaque

£911

Catering

£746

Venue for wake/ send-off etc.

£780

2. Source: British Seniors Funeral Report 2021 

Key benefits of getting a Funeral Insurance Plan

Guaranteed acceptance
Guaranteed acceptance As long as you are a UK resident aged 50-80, you are guaranteed acceptance.
Easy to arrange
Easy to arrange You can get your policy set up in a matter of minutes over the phone.
No medicals or blood tests
No medicals or blood tests You won’t need to provide us with a medical or any blood tests.
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More reasons to consider a British Seniors Funeral Insurance Plan

  • We have been rated 'Excellent' on Trustpilot – based on independent customer reviews. 
  • Immediate cover – You will be covered for accidental death immediately, plus death by any cause after 12 months.
  • Guaranteed cash payout – You can choose up to £10,000 of cover depending on your age.
  • Choice of plans – There are three plans to choose from; Gold, Silver or Bronze with the option to choose an extra cash sum depending on your age.
  • Affordable policies – Premiums from just £4.32 a month.1
  • £100 M&S Gift Card* – FREE for anyone who takes out a new policy.
  • FREE Will Kit worth £100 – Available with every policy purchased.
  • We are a Feefo Platinum Trusted Service Provider – Based on independent customer reviews, having achieved a Gold rating three years in a row.
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Things to consider

  • Consider the benefit amount you choose as inflation may reduce its buying power over time
  • Depending on how long you live you may pay in more than we pay out
  • If you stop your monthly payments, you will get nothing back
View full policy terms & conditions

Frequently asked questions about Funeral Insurance Plans

If you've got further questions about our life insurance and protection products, check out our helpful guides and full FAQ support section.

  • What is a Funeral Insurance Plan?

    A British Seniors Funeral Insurance Plan will allow you to leave a lump sum payout to your loved ones when you pass away. This lump sum payout can then be used to help with a funeral and other costs.  

  • How does a Funeral Insurance Plan work?

    With a Funeral Insurance Plan, you can select the plan that suits you best. There are three options available to you: Gold, Silver and Bronze. You also have the option of adding additional cover to your chosen plan, depending on your age. Deciding on a plan will depend on what kind of financial support you would like to provide your loved ones with, and what you can afford.

    From there you will pay a monthly premium that will maintain your protection until you pass away. When you pass away, your legal beneficiary will receive this money.

  • Are Funeral Insurance Plans the same as Funeral Plans?

    With a standard funeral plan, you pay for your funeral in advance, at today’s prices, with a tied Funeral Director. You can pay the plan provider in either a lump sum or instalments.  

    With our Funeral Insurance, we pay out a cash lump sum which can be used as you and your family see fit, typically contributing to a funeral. It’s more flexible so, for example, you could insure yourself for more than your funeral costs to help cover other expenses such as legal fees and final bills or even as a gift to leave behind to family or friends.

  • What does it include?

    The payout from a Funeral Insurance Plan can be used to help cover some of the costs associated with a funeral and other expenses. In the last number of years there has been a steady increase in the cost of a funeral in the UK. This means that a funeral could potentially put your loved ones under financial pressure. A Funeral Insurance Plan can provide support and help relieve some of the financial stress associated with funeral planning. You also have immediate cover from day one for accidental death, plus death by any cause after 12 months. 

  • What does it not cover?

    For the first 12 months of the policy, a Funeral Insurance Plan only covers death as a result of an accident. After this 12-month period you will be covered for death by any cause. If you pass away from natural causes in the first 12 months of the plan, all premiums paid will be refunded.

  • What's the benefit of getting a Funeral Insurance Plan?

    The death of a loved one can be a stressful time for anyone. The last thing that a lot of people would want to think about would be the finances. Getting the finances together for a funeral at short notice can often introduce stress and pressure into an emotional situation. Having a Funeral Insurance Plan in place could potentially relieve this pressure and give you peace of mind that things are taken care of when you pass away. 

View all frequently asked questions
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Free Info Pack

Find out more about Funeral Insurance Plans with our easy-to-understand information pack. We will send it to you for FREE and it includes some of the key things to know about the policy.

How to buy

Getting your Funeral Insurance Plan with British Seniors only takes a few minutes. The first thing to consider is which plan you would like to go with. Whether it’s the Gold, Silver, or Bronze plan, you can rest assured that you’re helping your loved ones.

With British Seniors, as long as you’re a UK resident and aged between 50-80 you are guaranteed acceptance. The process is straightforward, and you won’t have to provide any medicals or blood tests.

The next step will be to get your free no-obligation quote. Our friendly UK team are available to help you arrange the plan that you want. You can arrange a quote online or call us on 0800 803 0052. We are available Monday to Friday from 8:00 am to 9:00 pm, Saturday from 9:00 am to 6:00 pm and Sunday from 9:00 am to 5:00 pm.

If you’re happy with the quote you can secure your plan there and then. From day one, you are covered for accidental death and then after 12 months, you are covered for death from any cause.

You also have the option of buying it online. It should only take a few minutes and everything you need to know will be presented to you in a clear and concise manner.   

Claims process

1. Contact Us

Simply call us or email service@britishseniors.co.uk to get the claims process started. Our experienced claims team are specially trained to handle all calls with care and compassion. 

2. Review

We will then send out a claim form to be completed, signed and returned to us. The claim will be reviewed as quickly as possible. The person making the claim might be contacted if needed.  

3. Payout

As soon as a claim is accepted, we will pay the benefit amount to the person legally entitled to it. We’ll also refund any premiums paid between the date of death and the date the claim is paid.

M&S Free £100 gift card with British Seniors Icon

Call us today about our Funeral Insurance Plans

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M&S Free £100 gift card with British Seniors Icon

*

£100 M&S Gift Card, for new policy holders only, after six successful monthly payments and once your total premiums paid exceeds the value of your Gift Card. View full terms and conditions here.

1

For a 50-year-old non-smoker with £1,000 of cover.

2

Figures taken from the British Seniors Funeral Costs report 2021. Average cost for a basic burial is £4,068 and average cost for a basic cremation is £3,635. These are the average costs from the years 2016-2021. 

3

The British Seniors funeral costs report 2021 was used to help calculate the possible average costs of a funeral. There may be other costs you wish to take into consideration.