What we check
- Waiting periodNatural death claims usually have a waiting period. Accidental death is often covered from day one.
- Who is coveredSpouse, children, parents and extended family each have their own limits.
- Beneficiary detailsCorrect names and ID numbers prevent delays.
- Cover amountEnough for the real cost of a funeral in your community.
- Premium increasesSome premiums rise every year or as covered members age.
- Overlapping policiesSome insurers cap the total funeral cover per person.
Common mistakes
- Missing or outdated beneficiary detailsThe single most common cause of slow payouts.
- Too many small policiesYou may pay for cover that's capped or duplicated.
- Lapsing after missed paymentsMissed premiums can mean the waiting period starts again.
Is your current policy still right for you? Policies that were right a few years ago often aren't today. A review costs nothing.
Common questions
Is funeral cover the same as life cover?
Funeral cover is a small, fast payout for funeral costs. Life cover is a larger amount to support dependants and settle debts.
Can I cover my parents?
Usually yes, within age limits and with their own waiting periods.
How this applies to you
General information only goes so far. Your age, family, debts and existing cover all change the answer. A free 15-minute call is the quickest way to find out where you stand.