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What happens if I cancel?
If you cancel within the 30 day no-obligation review period, we'll refund any premiums you have paid. If you cancel after this, you won't receive a refund, unless you've paid annually in advance, in which case we'll refund you for any future period already paid for.
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Will my premiums go up?
You will never be singled out for a premium increase because of your age or health changes, but we do have the right to increase premiums across all Funeral Cover policies issued under the same offer made to you.
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Can I change the amount that I'm covered for?
Yes. You can reduce your cover at any time. If you want to increase your cover, please contact us and let us know. Terms and conditions will apply to your application when you consider increasing your cover.
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How long does the application process take?
The application takes around 15 minutes to complete online.
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How long does the application process take?
It should take around 15 minutes to complete.
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What is a premium holiday?
Customers tell us that sometimes financial hardship means they have to think about cancelling their policy.
For this reason we offer a Premium Holiday Benefit to those suffering financial hardship. If you can't reasonably afford your premiums, you can apply to us, and we may be able to put them on hold for a maximum of six months so you don't have to cancel the policy while you get back on your feet. You do NOT need to pay us back. You must be under 65 years of age, and have had the policy in place for 2 years to qualify for this benefit. But please note, you can only have one Premium Holiday across the life of your Funeral Cover insurance policy.
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Do I need to complete a medical check, or disclose further medical information?
We'll ask you to answer the questions we need to know now, so that we can be transparent on price and you can tick life insurance off your list more easily. We won't need you to follow up with further medical information or complete any medical checks - once it's done, it's done.
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Can I add a beneficiary to my policy?
You can add a beneficiary as part of the application process, or if you'd like to add one later, you can do so by completing the Beneficiary Form on our website, or getting in touch with us. Their details are loaded against your policy so that any payouts are made to them directly. We recommend you put some provisions in place on how you'd like payments to be administered i.e. organising a will, trustee or guardian.
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How long does the application process take?
The application takes between 15 - 30 minutes to complete online.
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Can I apply for life insurance if I have a disease, an illness, or I am overweight?
You may be able to, but the terms of your policy may be changed. For instance, a premium loading may apply (this means that your premiums may be more expensive). Any exclusions or premium loadings are made clear to you as part of the application process before making a decision to purchase.