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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

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: 


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.

Need help picking a plan?
Question 0/6
Would you prefer a burial or a cremation?

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

Claims process

1. Contact Us

Simply call us or email 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.


£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.


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


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. 


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.