Funeral Expenses Insurance
Relieve your family of financial worry at a difficult time
Grief needs time and peace. With our funeral expenses insurance, you prevent your family from having to bear the financial burden of a funeral and a dignified ceremony, guaranteeing the prompt payment of the agreed sum.
Benefits of this insurance
In the event of death, we pay the agreed sum to the beneficiary as quickly as possible.
After two years from taking out the policy, the full sum is paid in the event of death; in the case of accidental death, it is paid immediately from day one.
If death occurs in the first two years (from non-accidental causes), the premiums paid up to that point are refunded.
For sums insured up to €15,000, no health questions are required, ideal for people with pre-existing conditions.
What is covered
Death from any cause (after the waiting period)
After two years of coverage, the sum insured is paid in the event of death from any cause.
Accidental death
In the event of accidental death, the sum is paid immediately, with no waiting period.
Maturity benefit
If the insured person reaches the agreed final age, the agreed maturity benefit is paid.
What is not covered
Full sum in the first two years (non-accidental death)
If death from non-accidental causes occurs before two years, only the premiums paid are refunded, not the full sum.
Health questionnaire for high sums
For sums above €15,000, a health questionnaire may be required.
Real claim examples
Covering funeral costs
An insured person's family receives the agreed sum a few days after death, fully covering the costs of the ceremony and burial.
Taking out cover without health questions
An older client with pre-existing conditions takes out the policy without answering health questions, thanks to the exemption limit.
Frequently asked questions
Is the benefit taxed?
For the beneficiary, the sum is generally exempt from income tax, though it is subject to inheritance tax, which carries significant exemptions.
What happens if I die in the first two years?
If death is not accidental, the premiums paid up to that point are refunded; in the case of an accident, the full sum is paid from day one.
Is a medical exam required?
For sums up to €15,000, no health questions are required; for higher sums, a questionnaire may be necessary.
Want to protect your family from unexpected costs?
Tell us your age and the sum you would like to insure, and we will advise you with no obligation.
Request free advice