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Over 50s Funeral Plan

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We're Human About Insurance

Our Over 50s Funeral Plan helps you prepare for the future, so you can get on with enjoying the present. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.

Features and Benefits 

Pocket-Friendly Protection

Our premiums start at just €15 per month - less than the price of buying a cup of tea per day. Your monthly premium is based on the age you commence your policy and the level of cover you choose.

Lump Sum Payment

In the event of your death, our Over 50s Funeral Plan can help ease uncertainty and worry. If your policy has been active for two years, your loved ones will receive a lump sum payment to help cover funeral expenses.

Stress-Free Cover

If you're aged between 50 and 75 years and resident in the Republic of Ireland, you may be eligible for this product. You don't need to worry about any medical questions, check-ups or reports.

Travel Accident Benefit

If you have a fatal motor accident or an accident as a fare-paying passenger or pedestrian, your beneficiaries will receive double the amount of your selected life cover.*

*If while your policy is in force, 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 the amount of your selected life cover.

Your Plan, Your Way

You're unique, so your plans for the future should be too. Tailor your plan to make sure your premium, cover level and payment method works for you. We'll keep our promise to you and your family.

Up to €30,000 Cover

Your loved ones can claim a lump sum benefit of up to €30,000 (depending on your monthly contributions) if your policy has been in place for two years or more. If it hasn't, your dependents will still receive the funds you paid into the policy at that time.

Easy Payment Methods

You can choose the payment method that best suits you, whether it's by monthly direct debit or using BillPay at your local Post Office.

Consistent Care and Cover

You can rest easy, knowing the level of life cover you choose and your monthly payments will not change throughout the entire life of your plan. Once you turn 85, you won't need to make any further payments, but your cover will remain in place**.

**The total premiums paid over the term of the policy may exceed the death benefit. 
A government levy (currently 1%) applies to premiums paid to life insurance policies.

We value your feedback

Great value and super easy to get a quote. I was able to customise and upgrade the exact policy I needed. The experience is miles ahead of my past insurer. I would highly recommend this service!! John 17/11/2020

Good to Know

It's not easy making plans for the future, but we're here to help. We've gathered together all the details you need to better understand your Funeral 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.

We will process your application as soon as it is received. If the application form is fully completed and no further information is required (e.g. from your doctor) we will then issue you with a policy document within 10 business days.

When your application is accepted and if you have already indicated when you want the cover to start we will put the policy in-force and send you a policy document. If you have not indicated when you want the cover to start you will be contacted for that information and the policy document will be issued once we have received confirmation of the intended start date.


The policy document (or a copy of your policy document) will be posted to you. It includes a policy schedule which contains the specific details of your cover (type and amount of cover, term of cover etc) and the policy conditions which set out the standard policy terms and conditions (e.g. Definitions of terms, when the cover is payable etc.). You should keep the policy document in safe place for future reference.

If you’re aged between 50 and 75 and resident in the Republic of Ireland, you are eligible for this product, which means you don’t need to worry about any medical questions, check-ups or reports.

You will not be asked any medical questions and no medical check-ups or reports will be needed now or at any time throughout your cover.

Your loved ones can claim a lump sum payment, up to a maximum of €30,000 (depending on your monthly contributions) to cover funeral expenses or other outstanding bills at the time of your passing - once your policy has been in force for 2 years or more. And in the unlikely event that your death takes place within the first 2 years of your policy being in force, your dependants will receive a sum equal to the amount you have paid into the policy at that time.

Premiums to Suit You

You can choose the monthly premium you would like to pay and we can then tell you the level of life cover this will secure for you, or you can choose a level of life cover and we will then tell you how much of a monthly premium you will have to pay.


Ease of Application

Having first decided on the level of life cover and agreed the amount of premium to pay all you need to do is complete and return your application form and make your first premium payment, it’s that simple.


Premiums Cease at the Age of 85, but Life Cover Will Continue Until You Die

Your monthly premium payments will cease when you reach the age of 85. However, your life cover will continue until you die.


Full Life Cover Benefit Payable after 2 Years

In the unlikely event that your death takes place within the first 2 years of your policy being in force, your dependants will receive a sum equal to the amount that you have paid into the policy at the time of your death. The full death benefit becomes payable on death after the first 2 years of the policy being in force.


Consistent Level of Life Cover & Unchanging Premiums

The level of life cover you choose and your monthly premium payments will not change throughout the entire term of your plan.


Choice of Flexible Payment Methods

You can choose to pay your monthly premiums either by Direct Debit or at your local Post Office – the choice is yours!


Peace of Mind & Security for Your Loved Ones

In the event of your death, the lump sum amount paid to your family can help ease uncertainty and worry over their immediate financial security at a difficult time.


Travel Accident Benefit

If while your policy is in force, 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 the amount of your selected life cover.

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

Don’t be afraid to ask the advisor questions. You should know the product inside out before buying it. What happens if I change my mind about cover or need more cover? How long are premiums guaranteed for? What are the exclusions?

Make sure you do your research before purchasing an insurance product. Make sure it fits your needs and budget, and make sure you understand the contract. The advisor is obligated to explain it to you. Don’t sign until you understand the contract.

An Post Insurance Over 50s Funeral Plan 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 Over 50s Funeral Plan will help you save your loved ones the worry and stress of financing your funeral at an emotional time.

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.

An An Post Insurance Over 50s Funeral Plan 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.

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 get a quote for an Over 50s Funeral Plan on behalf of someone else but the policy can only be taken out by the named owner of the policy.

No. As long as you're aged between 50 and 75, you're guaranteed to be accepted for an Over 50s Funeral Plan.

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

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.

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.

You can pay in monthly installments by Direct Debit or at the 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.

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

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.

No. Your regular payments are guaranteed never to increase or decrease.

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.

An Post Insurance's Over 50s Funeral Plan 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.

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