Why choose a Funeral Insurance Plan?

According to our research, the average overall cost of a funeral in the UK now sits at £4,515 and could rise to more than £13,000 depending on the choices made.1 It goes without saying that the cost of a funeral can be a lot to take on for your family at short notice. British Seniors Funeral Insurance Plans can provide your loved ones with a cash lump sum to help you protect them from the stress of funeral costs or any other end of life costs.

We offer three different types of Funeral Insurance policies so no matter what your budget is there are a range of cover options for you to choose from. Simply choose an amount of cover that you’re happy with and when you pass away your legal beneficiary will receive the money. There are no medicals or blood tests needed and acceptance is guaranteed for UK residents aged 50 to 80. Once it’s in place, you can feel proud and have peace of mind that your loved ones are protected.


How is it different to a pre-paid funeral plan?

While both Funeral Insurance Plans and pre-paid funeral plans can help your loved ones to pay for your funeral, these are some of the key differences between them. If you already have a pre-paid funeral plan, and you’d like to leave a little extra for your loved ones, you can still decide to get a Funeral Insurance Plan.

Funeral Insurance Plan

Pre-paid Funeral Plan

You pay a monthly insurance premium

You pay for your entire funeral upfront or in instalments

Your chosen beneficiary will only receive the payout after you have passed away. Whilst the payout amount and cost will increase each year, unless you opt out of the increases, inflation may still reduce the value of the cover.

You agree on a price for your funeral at today’s prices and choose the elements you’d like to include in advance - which means you won’t have to worry about the possible impact of inflation.

Your loved ones will still need to plan for your funeral and if your family would prefer to use the payout to help with other things like bills and debts, they can do so.

A pre-paid plan can remove the burden of planning your funeral from your loved ones and provide you with the certainty that your funeral is paid for before you pass away.

The payout can be used for more than just your funeral, and isn’t tied to a specific funeral director.

A pre-paid Funeral Plan can only be used for your funeral, and you are tied to a specific funeral director.

Things to consider

  • 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/or other expenses when the time comes. It is not a pre-paid funeral or a funeral plan
  • Consider the benefit amount you choose as inflation may reduce its buying power over time. This may also result in the cover chosen not being sufficient to pay for funeral expenses in full when the time comes
  • You may pay in more than we pay out
  • If you stop your monthly payments, you will get nothing back

Award winning service for over 10 years!

We’ve been rated Platinum by Feefo for the fourth year in a row, and we’ve been awarded their coveted 10 years of Excellence Trusted Service Award 2024.

We’re also the UK’s No.1 rated provider of Over 50s Life Insurance – with the highest ratings of all Over 50s providers with more than 500 reviews on Trustpilot, Google, and REVIEWS.io. See how we compare here.

Select a Funeral Insurance Plan

Based on our research into UK funeral costs, we offer three different levels of Funeral Insurance Plans with different life insurance benefit amounts. That way, you can easily choose the cover that suits your individual needs and wishes.


Offers a life insurance benefit of £5,500

Provides a benefit amount that could help with the average cost of a funeral with extras1


Offers a life insurance benefit of £4,000

Provides a benefit amount that could help with the average cost of a funeral1


Offers a life insurance benefit of £2,000

Provides a benefit amount that could help with the average cost of a basic service1

Why choose British Seniors?

At British Seniors, we have years of experience with helping people secure protection for their loved ones. Since 2012 we’ve helped over 200,000 people across the UK. We’re life insurance specialists that can offer you a simple application, guaranteed acceptance and polices that take minutes to put in place. Making it much easier for you to secure the peace of mind that you deserve.


100% of Claims Paid²

So you can trust that when the time comes, we will be here to help your family.

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You'll speak to a real person

We guarantee you’ll be in touch with a real person based right here in the UK.


Immediate Cover

Immediate cover for accidental death, plus death by any cause after 12 months.

Our gift to you

£125 Gift Card for new policyholders*

As a thanks for trusting British Seniors to help protect your loved ones, we’re giving you the choice of a £125 Gift Card from one of three top UK retailers.

£125 Welcome Gift Badge

How to get a Funeral Insurance Plan

Securing your Funeral Insurance Plan with British Seniors can be done in a matter of minutes over the phone. Our UK based team of specialists are ready and waiting to help you secure protection you can feel proud of. You can call us on 0800 803 0052 to get your quote. We’re available Monday to Friday from 8am to 9pm, Saturday from 9am to 6pm, and Sunday from 9am to 5pm (excluding bank holidays).

Once your policy is in place you are covered for accidental death from day one and then after 12 months, you are covered for death from any cause.

Benefits of choosing British Seniors

  • Depending on your age, you can apply for a guaranteed cash payout up to £10,000
  • Guaranteed acceptance - For UK residents aged 50 to 80
  • FREE access to Health and Wellbeing services3
  • No Medicals or Blood tests needed
  • No forms - Easy to arrange in one simple phone call

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Not sure how much cover you need?

It can be hard to know where to start when deciding how much cover you might need. To begin with you should think about what you want your policy to be used for. The cash lump sum from Funeral Insurance Plans can be used by your loved ones to pay for things like funeral costs or other end of life expenses. So, when choosing your cover option, it can be helpful to have an idea of the general costs of a funeral in the UK. Here’s a few factors that could impact the cost of a funeral:

  • Location
  • Cremation or burial
  • Service type

If you’d like to learn more, you can find out more in our Funeral Costs Report 2023. At British Seniors, we are specialists when it comes to life insurance and can help you no matter what your life insurance needs are.

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More reasons to choose a British Seniors Funeral Insurance Plan

  • Choose a £125 Gift Card from Amazon.co.uk , M&S or Tesco with every policy*
  • Free Will Kit worth £100
  • Accidental death cover – If death is due to an accident get 2X your benefit amount paid out up to £20,000, depending on your age
  • Free £300 Funeral Benefit Option gives a FREE £300 contribution towards the cost of your funeral4
  • Flexibility – Apply to increase or decrease your monthly premium amount with no fees
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Funeral Insurance Plans FAQs

Here are some of the most common questions we get asked about our Funeral Insurance Plans. If you have any other questions about our life insurance and protection products, check out our helpful guides and full FAQ support section.

Already a customer?

Our friendly UK based team are on hand to answer any questions or concerns you may have. If you want to get in touch, you can call us on 0800 542 7618

Making a claim

Our claims process can be completed in 3 simple steps. Find out all the details and how it works.

Money worries

Concerned about an upcoming payment for your British Seniors policy? We’re here to help.

Change your policy

We understand that things can change quicky. Adjusting your policy is easy with British Seniors.

Get a quote

British Seniors, Proud to Protect

We’re here to help you protect the ones you care about most. Call our specialist UK team to explore your options and get your free quote.

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£125 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. Restrictions apply, see www.amazon.co.uk/gc-legal. View full terms and conditions here.


This information is from the British Seniors funeral costs report 2023.


The products offered by British Seniors Insurance Agency are provided by AIG Life Limited, who approved and paid 100% of all British Seniors claims received in 2022, in accordance with the policy terms and conditions.


Please note that the British Seniors Health and Wellbeing services do not form part of your life cover contract and can be changed or removed at any time. These services are only available to customers who purchased their policy on or after 15th November 2023.


If you choose an unattended cremation, please note that the £300 contribution will not apply. An unattended cremation means any cremation where there is no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes). The cremation is arranged at a crematorium at a date and time chosen by the allocated funeral director and without anyone attending other than the funeral director’s staff.