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 or other costs.

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General

The death of a loved one can be a stressful time for anyone. The last thing you would want your loved ones to have to worry 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 help relieve this pressure and give you peace of mind that your family will have some financial support when you pass away.

Funeral Planning

Additional costs for a funeral will ultimately depend on your personal wishes and the choices of your family. If you choose to have a simple funeral, there will be fewer costs. It is important for you to sit down and consider some of the costs involved with a funeral. You can find more information on the average costs of a funeral in our guide.

Policy Details

The payout from a Funeral Insurance Plan can be used to help cover some of the costs associated with a funeral or 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.

Premiums

With a British Seniors Funeral Insurance Plan, your benefit amount and premium will automatically increase every year on the anniversary of your policy. This can offer you a way to help offset the impact of inflation on your payout amount. Your benefit amount will increase by 3.5% and your monthly premium will increase by 5% each year. You can choose to opt out of these increases in which case your benefit amount and premium will remain fixed for that year. If you opt out of three increases in a row, your benefit and premium will remain permanently fixed for the policy duration.

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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.