You decide what portion of the total sum insured will be used for your funeral and/or your unveiling. You can take out cover for both funeral and unveiling or just one of them. You choose.
From the day we receive your completed application form you are covered for three times the Funeral Plan sum insured amount in the event of death by accident.
As we ask nothing about your health, full life cover will commence two years after the commencement date. Should you die by natural causes within the first two years all Funeral Plan premiums paid will be refunded.
You have a 30 day risk free, no obligation period. If you decide for any reason that this policy is not right for you, you can cancel within 30 days and receive a 100% refund of any premiums paid.
Funeral Plan claims will normally be paid out within 48 hours of a claim being accepted. If you allocate part of your cover for an unveiling, this portion will be paid at either 6 or 10 months after death.
If you and your partner take out cover you’ll both receive a 10% discount as long as you have a joint policy.
The following exclusion(s) apply within the first 24 months.
i. Participating in a criminal act; or
ii. Self-inflicted harm (whether sane or insane); or
iii. Serving in the armed forced of any country or organisation; or
iv. Any war like activities (whether war is declared or not).
Cancelling your policy is as easy as calling us. Any premiums paid up to that point are non-refundable.