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Funeral Insurance FAQs

We've gathered all the details you need to better understand your insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve at the price you prefer.

Your Policy

No, your life insurance will not change in the future. Your life insurance and your premium are fully guaranteed and cannot increase or decrease. They will remain the same even if the cost of living increases each year (inflation).

No, you cannot change your plan once it's taken out. 

The level of life cover chosen and monthly premium payments will not change throughout the entire life of the plan. 

If you wish to increase your level of cover there is the option to take out a second Funeral Insurance policy.

If, when you've received your Funeral Insurance policy, you feel it is not suitable for your needs, you may cancel it by instructing us in writing and returning the policy documents to us. If you cancel within the first 30 days following the date of the policy issue, you will receive a full refund of any premiums paid during this period. If you wish to cancel your policy after this initial 30 day cooling off period, any protection benefits provided under the policy will cease and you will not receive a premium refund. 

You can cancel your Funeral Insurance policy, at any time if you feel it is not suitable for your needs. You may cancel it by instructing us in writing and returning the policy documents to us. Any premium paid by you will be returned in full if cancelled within 30 days. None of your monthly premiums will be refunded if you cancel your policy after this 30 day cooling-off period.

No, there are not any cancellation charges. However, If you stop paying your premiums, or cancel your policy (after 30 days), any protection benefits it offers will cease and no value will be payable and none of your monthly premiums will be refunded.

Cover Options

An Post Insurance Funeral Insurance is a life insurance policy which allows you to prepare financially for the cost - or part of the cost - of your funeral. By taking out this policy, you can ensure that you leave your loved ones some money to take care of the cost of your funeral - or to take care of other expenses.

Taking out a funeral plan can allow you and your family to be financially prepared for the costs of your funeral - as well as some of the bills that you may leave behind on your passing. Taking out an An Post Insurance Funeral Insurance will help you save your loved ones the worry and stress of financing your funeral at an emotional time.

  • you are aged between 50-75 and resident in the Republic of Ireland
  • you want life cover with no need for a medical examination or to give medical information
  • you want cover for the rest of your life
  • you want payments that will never increase or decrease
  • you want an opportunity to leave a lump sum to a loved one or your grandchildren
  • you want an opportunity to leave a lump sum to your loved ones

An Post Insurance Funeral Insurance guarantees your loved ones a fixed lump sum on your passing. The level of cover is based on the age you commence your policy and the level of cover you choose. Premiums start at just €15 per month. 

For example, a 50 year old paying a premium of €15 per month would be assured for €4,700. A 62 year old paying a premium of €20 per month would be assured for €3,190. You can choose the level of cover you want - depending on the type of funeral you wish to have. The total premiums paid over the term of your policy may exceed the death benefit.

Even with existing savings, you may not have enough to cover your funeral costs. However, a well thought-out funeral plan can fully cover or help supplement the costs of a funeral, depending on your preferred premium and choice of funeral arrangements.

Funeral insurance is not just for the over 50's! It is perfect for the over 60's and over 70's as well. Anyone aged 50 to 75 who is living in the Republic of Ireland can apply for our funeral cover. 

No, while you can assist in getting an An Post Insurance Funeral Insurance quote on behalf of someone else, the policy can only be taken out by the person whose life is assured by the policy. 

Payment of policy premiums will not be accepted from third parties and the fixed lump sum paid on your passing goes towards the cost of your funeral.

Travel Accident Benefit provides double the amount of your selected life cover to your beneficiaries if you have a motor accident or an accident as a fare-paying or pedestrian, and you die as a result of this accident, within 3 months. 

Level of life cover is the lump sum payable to your beneficiaries upon your death. This is sometimes referred to as the sum assured or lump sum benefit.

The life assured is the person whose life is assured by the policy i.e. the person on whose death the sum assured will be paid.

The commencement date is the date that your life insurance plan becomes active, which is the date from which cover is provided. This date is shown on your schedule.

An Post Insurance Funeral Insurance is underwritten by New Ireland Assurance - one of Ireland's largest life and pension companies which look after the protection and investment needs of over 500,000 policyholders.

Payments

No, you don't have to pay all at once. Our Funeral Insurance Plan is a regular premium protection policy where payments are made monthly. You can pay in monthly instalments by Direct Debit or by BillPay at your local Post Office.

No, your payments will not change in the future. Your regular payments are guaranteed never to increase or decrease.

Your regular payments depend on your age and the amount of cover you want. The minimum regular payment is €15 a month.

It is your responsibility to ensure that your premiums are received when due. If your premiums are not received when due or you stop paying your premiums or cancel your policy during the term, then your policy and any protection benefits it offers, will cease and no benefits will be payable.

Claims

We understand this can be a difficult time so we are committed to making sure the claims process is as smooth and stress-free as possible. Simply phone 01 632 2436 to register the claim have the An Post Insurance policy number to hand and we will take care of the rest. 

An Post Insurance is a tied agent of New Ireland Assurance Company plc for life assurance business. Life assurance policies are underwritten and provided by New Ireland Assurance Company plc.