Funeral Insurance Plans

Get support for what matters most with British Seniors

Help protect your loved ones from final expenses with affordable guaranteed acceptance life cover. Prices from just £7.65 per month.¹

Why Choose British Seniors?

With a Funeral Insurance Plan, you can help ease some of that financial stress for your loved ones at an emotional time. With a range of cover options to choose from, finding the right protection for your family is straightforward. Simply choose an amount of cover that you’re happy with and when you pass away your legal beneficiary will receive the money to help them with funeral costs or other expenses. Acceptance is guaranteed for UK residents aged 50-80 and once it’s in place you can feel proud that you’re continuing to look after your loved ones, even after you’re gone.

100% of Claims Paid²

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

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.

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.

Why choose a British Seniors Funeral Insurance Plan?

Affordable cover - starting from £7.65 per month¹
Guaranteed cash payout - Choose up to £10,000 of cover depending on your age
Guaranteed acceptance - For UK residents aged 50-80
Immediate cover - For accidental death, plus death by any cause after 12 months
No medicals, blood tests - Easy to arrange in one simple phone call
FREE access to Health and Wellbeing services - 24/7 online UK GPs, physiotherapy assessments, mental health specialists and more³
Choose a £135 Gift Card* from Amazon.co.uk, M&S or Tesco with every policy
Free Will Kit - With every policy purchased
Accidental death cover - Depending on your age, get 2X your benefit amount paid out up to £20,000 if death is due to an accident
Free £300 Funeral Benefit Option - Get a FREE £300 contribution towards the cost of your funeral⁴

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

View full policy terms & conditions

The UK’s No 1 Rated Provider**

We’re proud to protect and it shows. We’re The UK’s No.1 rated provider of Over 50s Life Insurance - with the highest ratings of all Over 50s Life Insurance providers with more than 500 reviews on each of the following platforms: Trustpilot, Google, Feefo and REVIEWS.io. You can see how we compare here. We’re rated ‘Excellent’ by Trustpilot with a TrustScore of 4.9 and more than 10,000 reviews. We're rated platinum on Feefo – based on independent customer reviews, having achieved a Gold for ten years in a row. We’re also the winners of the “Best Life Insurance Provider (Over 50’s)” award in the What Mortgage Awards 2024.

A Funeral Insurance Plan that suits you

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.

Gold

Offers a life insurance benefit of £5,500

Provides a benefit amount that could help with the average cost of a funeral with extras⁵

Silver

Offers a life insurance benefit of £4,000

Provides a benefit amount that could help with the average cost of a funeral⁵

Bronze

Offers a life insurance benefit of £2,000

Provides a benefit amount that could help with the average cost of a basic service⁵

A feature of the British Seniors Funeral Insurance Plan is that your benefit amount and premium will automatically increase every year on the anniversary of your policy. The idea behind this is to help your policy keep up with rising funeral costs, and help offset some of the effects of inflation on your payout amount.

How it works is that your life insurance benefit amount will increase by 3.5% and your monthly premium will increase by 5% each year. If you would like 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 remaining duration of your policy.

⁵Based on research from the British Seniors Funeral Report 2023, a funeral in the UK could cost over £13,000 depending on personalisation and choices made. The average cost of a funeral is £4,515. The average cost of a basic service in the UK now costs around £2,750.

£135 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 £135 Gift Card from one of three top UK retailers.

Call us today about Funeral Life Insurance

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.

or call us

£135 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.

For a 50-year-old non-smoker with £2,000 of cover.

The products offered by British Seniors are provided by Aviva Protection UK Limited, who approved and paid 100% of all British Seniors claims received in 2023, 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.

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

Take the next step: Get a quote today for Funeral Plans Insurance

Get a Quick Quote