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What does the Funeral Protection Promis do?

Make a promis to help take care of your loved ones

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We know how much your family means to you. And whilst the Funeral Protection Promis won’t ease their sense of loss, it can be your final act of love to them, a way of saying “here’s my final gift of love to you; my way to help protect you after I’m gone”.

So what does the Funeral Protection Promis actually do?

The Funeral Protection Promis is a life insurance plan designed to pay out fast in order to help with funeral and other final expenses and bills that may arise at that time. You pay a monthly insurance premium for your chosen amount of cover, which is paid out upon death according to the Terms and Conditions of the policy. The claim is paid to a family member, any surviving policyowner or to your Estate.


The Funeral Protection Promis is not a Pre-paid Funeral or a Funeral Plan, and is not associated with any Funeral Director.


Because everyone’s different, we have designed the Plan with many options:

  • You can choose a level of cover that suits you and that is affordable for you, from as little as £1,000 up to as much as £20,000
  • You can choose to cover yourself or any adult family member whose funeral costs you are likely to be responsible for
  • You can choose from different premium types (Level or Increasing)
  • You can choose the Accidental Death Period (12 or 24 months), and
  • Whether or not to add Inflation Fighter

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There are no medicals or even any health questions. So you are guaranteed acceptance as long as you are a UK resident between the ages of 30 – 79.

To make sure the Funeral Protection Promis is affordable, you can select the level of cover and options to suit your budget. As an example, a 55 old can take out £3,025 cover from just £1.81 per week (paid monthly) on an Increasing Premium Plan with a 12 month Accidental Death Period, that’s starting at less than 26p per day.

If you take out a Funeral Protection Promis and you are not 100% happy with your decision, you can cancel your Plan anytime within the first 30 days and we will refund you any premiums you have paid (as long as no claim has been made) and your cover will end. This is your 30 day money back guarantee.

Important Information – Please make sure you read: The cover amount you choose, even with Inflation Fighter, could be less than the cost of a funeral. Premiums are payable until age 90 and may be more depending on how long you live. Inflation may reduce the value of your cover.

We have two different options for premiums: one where your premiums are guaranteed never to increase (called Level Premium); the other option is more affordable at the start but the premiums do increase as you grow older (called Increasing Premium).

Example monthly premiums for a 60 year old with a 12 month Accidental Death Period.

Without Inflation Fighter
Example: Age 60 Year 1 Year 5 Year 10 Year 15 Year 20
Cover amount £3,500 £3,500 £3,500 £3,500 £3,500
Level Premium (per month) £18.52 £18.52 £18.52 £18.52 £18.52
Increasing Premium (per month) £12.04 £13.54 £15.70 £18.20 £21.10
With Inflation Fighter
Example: Age 60 Year 1 Year 5 Year 10 Year 15 Year 20
Cover amount £3,500 £3,939 £4,566 £5,294 £6,137
Level Premium (per month) £18.52 £22.08 £27.50 £34.27 £42.70
Increasing Premium (per month) £12.04 £16.07 £23.08 £33.13 £47.56

Premiums quoted are correct as of 01/08/2019. Cover amounts do not show pence. The premium you pay will be based on factors such as your age, the amount of cover and premium type you choose, the Accidental Death Period and whether you opt for Inflation Fighter.

What is Inflation Fighter?

Over time, the cost of things rise due to inflation. If you want to use your cover towards funeral expenses it is worth noting funeral costs are no different. If your amount of cover remains fixed, it may not meet the cost of a funeral or other expenses in the future. So we offer an optional "Inflation Fighter" feature to help protect your cover amount against the rising cost of funerals or other expenses.

If selected, Inflation Fighter increases your amount of cover by a fixed 3% each year until you reach age 90.

If you have chosen Level Premiums and Inflation Fighter, your premium will increase by 4.5% each year because you are getting more cover each year. If you have chosen Increasing Premiums and Inflation Fighter, your premium will increase by 7.5% each year.

If you would like a premium that remains level and never goes up, you should choose Level Premium without Inflation Fighter.

Please bear in mind that the cover amount you choose could be less than the future cost of a funeral even with the Inflation Fighter option added to your plan.

Accidental Death

You will be covered for Accidental Death only from day 1, and any cause of death after 12 months or 24 months (depending on the Accidental Death Period you have chosen). As long as you pay premiums when due this cover continues for your whole life because no matter how long we live, eventually we all need a funeral. Premiums are payable only until age 90, at which time cover continues with no more to pay.

If you do die in an accident at any time while your cover is in place we will double the payout. This helps, as there is no time to prepare emotionally or financially in the event of an unexpected Accidental Death.

If you do pass away from a non-Accidental Death during the Accidental Death Period, your loved ones will receive a full refund of all premiums paid.

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How much does a funeral actually cost?

Funerals can be expensive with the average cost of dying adding up to nearly £5,500! Most people simply don't know it. That’s because it's not something we think about…until we suffer a death in the family.

Find out more