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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.

 

Funeral Insurance

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.

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.

Your savings may not be enough to cover your funeral costs - whereas a well thought-out funeral plan can be - depending on your preferred premium and choice of funeral arrangements.

It's not just for the over 50's! Over 50s Funeral Plan 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.

No, you can assist in getting a quote for an Over 50s funeral plan on behalf of someone else but the policy can only be taken out by the person whose life is assured by the policy. Payment of policy premiums will not accepted from third parties and the fixed lump sum paid on your passing goes towards the cost of your funeral.

From the first day of your policy being active with us, if you have a motor accident or an accident as a fare paying passenger or pedestrian and you die as a result of this accident within 3 months your beneficiaries will receive double your selected life cover.

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.

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

No. 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).

If, when you've received your Over 50s Funeral Plan 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. You must do this within 30 days of receiving your policy and any premium paid by you will be returned in full.

You can pay in monthly instalments by Direct Debit or by BillPay at your local Post Office.

No, our Over 50s Funeral Plan is a regular premium protection policy where payments are made monthly. We have a range of ways for you to pay for your chosen funeral plan.

No. 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.

If, when you've received your Over 50s Funeral Plan 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. You must do this within 30 days of receiving your policy and any premium paid by you will be returned in full. If you cancel your life policy after 30 days, none of your monthly premiums will be refunded.

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.

This 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.