What Happens if I Die Midway Through Paying My Funeral Plan?


Ignatius Uirab

Money Savings Advice What happens if I die midway through paying my the funeral plan

Understanding what happens to your pre-paid Funeral plan if you sadly die halfway through, slightly more or slightly less is something everybody should take into consideration before taking getting funeral plan cover.

This is where pre-paid funeral plans differ from other insurance products.

Funeral plans are designed to cover the cost of the funeral. The funeral is a fixed cost with yearly premium updates to cover average funeral yearly price increases.

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So if you die halfway through the policy term, sadly the cover will only pay out the percentage of cover you have already paid.

I.e. If you sadly die in the 10th year of a 20 year plan the cover will pay out circa 50% of what you have paid in to cover the funeral costs.

The additional 50% funeral costs will have to be paid by somebody else to cover the full funeral costs.

Sadly pre-paid funeral plans in every sense are final, continue reading to get the full details.

Funeral Plans: Other Insurance Products

Funeral plans cannot be considered a type of insurance because of the pay-out scenario.  

If you have home insurance and your house is sadly burgled, then the insurance company will pay out based on the value of the claim.  

Let’s say you could have paid in £15,000 but claim £150,000.00, and the likelihood is the insurance company will pay out.

One of the most straightforward reasons for this (and within this piece we are not going to dive into detail about the full differences between various insurances).

Is that you will most likely start paying the home insurance again (sadly not applicable for your funeral plan). The chances of you making another similar claim immediately are incredibly slim.

Amongst a plethora of additional variables, this is one that is taken into consideration when insurance pay-outs are factored.

Now, if you are interested in knowing the differences between Funeral plans and Life Insurance we recommend you read our article.

How Can Money Savings Advice Help You With a Funeral Plan?

Here at Money Savings Advice, we have partnered with some of the UK’s leading Funeral Plan brokers. They have already helped thousands of people get the best Funeral Plan deal and they can do the same for you.

Choosing an independent adviser means they won’t recommend a scheme unless they are sure it is in your best interests. Their advice is also regulated by the FCA, which gives you an additional layer of protection.

If you would like to speak to one of these brokers who can provide you with a ‘whole market quote’ then click on the below and answer the very simple questions.


Ignatius Uirab

Ignatius is one of our leading financial specialists. With over eight years of financial experience, he has vast experience and knowledge of the financial sector. When he is not writing about how to make your money go further, he is a true family man.

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