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How to find out when a funeral is being held

Many of us worry about funeral costs and how our loved ones would cope financially after we’re gone. Life insurance provides a cash lump sum to help cover expenses like funeral costs, so your family won’t struggle financially at an already difficult time.

This guide is here to answer all your key questions about funerals and life insurance such as ‘how to find out when a funeral is being held?’, ‘will life insurance cover funeral costs?’ and more…

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60-Second Summary – How to find out when a funeral is being held UK

In this guide, our aim is to answer all of the big questions you might have about funerals in the UK and how life insurance can help cover the costs. There are some simple ways to check when and where a funeral is being and find out all of the important details that you need to know.

  • If you need details about a funeral, usually someone close to the person who died (e.g. a family member) will contact you. You can also check places like local newspapers or online for death announcements (often includes funeral details).
  • Life insurance is the best and easiest way to ensure your family don’t struggle with funeral costs in the event of your death. Over 50s life insurance or guaranteed life insurance are good options if you are mainly concerned about paying for your funeral.
  • Many life insurance providers will include specific funeral benefit options to help support your family financially if you passed away.
  • For more information about the best life insurance with funeral benefits, you can talk to a life insurance expert for FREE advice and support.

YES – Life insurance policies are commonly taken out to cover funeral expenses. This is helps prevent families struggling with high funeral costs following the death of a loved one.

Certain policies, such as over 50s life insurance are designed specifically to cover funeral expenses. This can help support your loved ones by paying for a key expense that may otherwise be unaffordable. A life insurance policy can also help support your family long after death by:

  • Helping to repay debts
  • Repay your mortgage in full
  • Pay for school fees

Having a life insurance policy can ease some of the financial strain on your family and give you peace of mind, which we cover in our guide ‘Does life insurance pay for a funeral?‘.

Best policy options for life insurance with funeral cover

If covering funeral costs is your main concern when looking for life insurance, there is no need to worry. Most life insurance policies are designed for exactly this reason and will have some level of funeral cover included. Below are the 3 main options for life insurance with funeral cover.

Over 50s life insurance

Over 50s life insurance includes funeral cover as a key policy feature. Often over 50s will take out life insurance specifically to cover funeral expenses with no money allocated for other costs. You can often receive additional benefits with these policies such as 24/7 GP services and discounts for gyms, food and drink and more.

Guaranteed life insurance

Guaranteed life insurance (or guaranteed acceptance life insurance) is a policy similar to over 50s cover but designed to cover applicants of any age. These policies don’t require any medical questions or information when you apply. This makes guaranteed life insurance a popular option among people who have pre-existing medical conditions and may have struggled getting the cover they need in the past.

Traditional life insurance

Traditional life insurance policies will pay out a cash lump sum in the event of your death (often hundreds of thousands of £s). Many people choose a traditional life cover policy with enough benefit to allow their family to pay for a range of expenses after they die. This includes costs for their funeral as well as other important expenses such as mortgage payments, repaying debts, school fees and more.

YES – Many life insurance providers will include specific funeral benefits within their policies to support their policy holders. These benefits will allow your family to access additional funds to help pay towards the cost of your funeral.

Providers who offer funeral benefit

Legal & General logo

Legal & General

What is the benefit? – Extra £250 toward your funeral costs

Who can get the benefit?> – Over 50s life insurance customers

OneFamily logo

OneFamily

What is the benefit? – Extra £300 toward your funeral costs (in partnership with Golden Charter)

Who can get the benefit? – Funeral Funding Feature included as standard for OneFamily customers (over 50s provider)

Post Office logo

Post Office

What is the benefit? – Extra £250 toward your funeral costs (with Co-op Funeralcare)

Who can get the benefit? – Over 50s life insurance customers only

SunLife logo

SunLife

What is the benefit? – Extra £250 toward your funeral costs

Who can get the benefit? – Included for all SunLife customers (over 50s provider)

Providers offering additional funeral support

Some providers don’t list traditional funeral benefit within their policy features, but do include benefits which can offer decent support for your funeral costs. These policy benefits can make a huge difference to your family when they are trying to find the funds to pay for your funeral.

AIG logo

AIG

What support is available? – Up to £10,000 towards funeral costs for any valid life insurance claim (while the claim is being processed). This is helpful if the claim pay out will not be paid until after the funeral is held due to legal processes.

Who can get this support? – Any AIG life insurance customer

HSBC logo

HSBC

What is the benefit? – FREE accidental death cover (for up to 90 days) while your life insurance application is being processed.

Who can get this support? – Any new HSBC life insurance applicant

Scottish Widows logo

Scottish Widows

What is the benefit? – FREE accidental death cover (for up to 90 days) while your life insurance application is being processed.

Who can get this support? – Any new Scottish Widows life insurance applicant

Providers offering child funeral cover

Several providers will include features such as child funeral cover within their critical illness cover policies. This applies if children’s cover is included with the policy or added on at an extra cost. Not all providers offer this though so check your policy terms and conditions carefully.

LV logo

LV (Liverpool Victoria)

What is the benefit? – Up to £5,000 child funeral cover within their core children’s critical illness insurance.

Who can get the benefit? – LV customers with children’s critical illness cover (core) added to their policy.

Guardian 1821 logo

Guardian 1821

What is the benefit? – Up to £10,000 child funeral benefit (if your child dies between the 24th week of pregnancy and age 23).

Who can get the benefit? – Guardian 1821 customers with children’s critical illness cover (core) added to their policy.

A ‘funeral plan’ is slightly different to standard life insurance as these plans are solely designed to cover the cost of your funeral. Traditional life insurance policies will usually budget for this, plus extra funds to help support your loved ones.

Here we have a comparison of life insurance vs funeral plans and their pros and cons:

Life Insurance

ProCon
Widely available and policies often include a range of additional benefits and support servicesWill cost more per month than a funeral plan
Will pay out more than a funeral plan, providing your loved ones with extra financial supportCan cost more for people who are older, have medical conditions or high risk hobbies/occupations
Some providers will include benefits to pay toward your funeral for free or at a small extra costTerm life insurance will only cover you for a set number of years
A range of different policy types to choose from to suit different needs and budgetsPay outs aren’t guaranteed (though providers do tend to pay out in most cases)

Funeral Plan

ProCon
Usually cheaper (cost effective) and a range of plans to choose fromProvides much less cover (£s) compared to traditional life insurance
Peace of mind that your funeral costs are coveredWill only pay out up to a set amount and you could have overpaid if the funeral does not cost as much as expected
Guaranteed acceptance for UK residentsMight not cover the full cost of the funeral if funeral prices rise due to inflation
You can pre plan all the details of your funeral ahead of timeThe money can ONLY be used towards your funeral and nothing else (even if there is money left over)

Everyone is different so what feels right for one person may not be right for you. It is worth speaking to a life insurance expert if you’re not sure what your best option is.

If you have lost a loved one and are planning a funeral, you will be able to find out if there was a funeral plan or life insurance policy by:

  • Checking if there is any paperwork indicating this
  • Looking through bank statements for any direct debits
  • It may be specified in their will or trust

Though it can be difficult to talk about, it may be worth asking your loved ones now whether they have specific wishes for their funeral. This allows you to ensure their wishes are met and everything goes as they would want it to.

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A funeral is a celebration of life and an opportunity to pay your respects to a person you love. Being able to say a proper goodbye to a family member or close friend you have lost can provide comfort at a difficult time. If you are not directly involved in the planning, you may be unsure of when a friend or relative’s funeral is taking place.

The first point of call will usually be to see if you are contacted by a close family member of the deceased. They may message or phone you directly or in many cases they will post the funeral details online e.g. on Facebook.

It can take some time to organise a funeral. This especially true if the deceased hasn’t left any funeral plans in place that specify their wishes. If you haven’t heard anything yet about the funeral, it may be that there has been some delay in the planning process.

Before a funeral can be planned:

  • The death must be properly registered
  • Funeral director needs to chosen (if there is no funeral plan or preference specified)
  • The local council needs to be contacted about a burial plot or cremation service
  • Place of worship will need to be contacted (if a religious service is wanted)
  • Other arrangements need to be made (e.g. flowers, decorations, venue for a wake)
How do I find a death announcement?

If you aren’t in close contact with the person who has died, another way to find out about their passing is from a death announcement.

A death announcement (or death notice) will provide information such as when and where the person died and often also includes funeral details.
Death announcements will commonly be posted:

  • In a local newspaper (physical print)
  • In an online newspaper (archived so less recent notices can be seen)
  • An informal announcement may also be posted online by a close relative using social media. This can be seen as a quick and easy way of informing a large number of family and friends about the death. This will then normally be followed up with a formal death notice.

  • When will the funeral take place?

    Most funerals will take place within around 2-3 weeks of a person passing away. This the average time but there are various things that can delay a funeral. If the person who died had a pre paid funeral plan in place, it can be quicker and easier to arrange the funeral.

    Other things that can mean a funeral does not take place within this time frame. This includes:

    • Problems with organising the funeral e.g. lack of availability with the preferred funeral director due to a busy period
    • A post-mortem or further medical investigations are needed which can cause delays
    • Religious practices and beliefs can mean the funeral is required to be later than two weeks from death (or earlier)
    • Payment difficulties can mean those making the funeral arrangements need longer to find the funds needed to proceed

    What days are funerals held in the UK?

    There are no restrictions to what day of the week a funeral can be held. It can be easier to choose a weekend day with many people working Monday-Friday. There can however be extra costs involved if you choose a Saturday or Sunday for a funeral.

    Most UK funerals tend to take place on a weekday due to the lower costs involved. Demand can also be higher for funerals on weekend days. The church/crematorium and funeral director could be unavailable on the day you wanted.

    Useful resources

    Gov.uk – Get help with funeral costs (Funeral Expenses payment)

    Citizen’s Advice – Arranging a funeral

    Citizen’s Advice – What to do after a death

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    Is it worth paying for life insurance?

    Yes, if you’ve got children or financial dependents then you should have life insurance to protect them if you die. Martin Lewis and the Financial Conduct Authority recommend that you take out life insurance to protect your family and your home. Generally, life insurance premiums start from as little as £5 per month and will be cheaper for younger adults.

    Common myths about life insurance:

    • Life insurance won’t pay out (pays out 98% of claims)
    • People with medical conditions can’t have life insurance
    • Life insurance is expensive
    • Savings can be just as effective as life insurance
    iaminsured logo

    iaminsured.co.uk

    https://www.iaminsured.co.uk » guides

    Is life insurance worth it? - iam|INSURED

    What is the average cost of life insurance per month?

    Based on recent research carried out, the average cost of life insurance is approximately £38 per month and the average level of cover is £152,000. Life insurance premiums also vary dramatically from one insurance provider to another and you can reduce your monthly premiums by shopping around.

    Fundamentally, life insurance premiums vary depending on your age, health and the amount of cover that you need, starting from as little as £5 per month. You can also get life insurance to protect your family and your home against financial loss if you die.

    iaminsured logo

    iaminsured.co.uk

    https://www.iaminsured.co.uk » guides

    Average cost of life insurance - iam|INSURED

    What does life insurance cover you for?

    Life insurance is a monthly renewable ‘term insurance’ contract that pays out a cash lump sum or regular payments on death to your family or beneficiaries. Policies are most commonly used for family protection or mortgage protection for your loved ones if you die and your household income reduces, plus the additional issues of losing a parent or carer.

    Traditional life insurance will not exclude any pre-existing medical conditions and will cover suicide after 12 or 24 months. You can also use life insurance for business protection purposes as well as tax-efficient business life insurance for directors or key people.

    What are the disadvantages of life insurance?

    The biggest and most common problem that consumers have with life insurance is the cost and the monthly premiums. This is the top reason for policy cancellations and why more people don’t take out life insurance to protect their family.

    Another key disadvantage with life insurance is that it holds no investment value, nor can you cash it in. Life insurance works like any other traditional general insurance policy (e.g. car insurance, house insurance, pet insurance etc.), you pay a monthly premium and it will pay out in the event of a claim. Some people decide to use savings instead of taking out life insurance but you need to make sure that you have sufficient savings to cover the costs of death for your family.

    Why do I need life insurance?

    The fact is that nobody actually ‘needs’ life insurance, but it is strongly recommended that families and couples have cover to protect their loved ones in the event of death. Martin Lewis recommends life insurance and says “this is something that every parent, partner, or person with any other type of dependent needs to consider”.

    Life insurance financially protects your loved ones if you die and pays out a cash lump sum to repay your mortgage, pay for school fees, replace lost income, and pay for regular outgoings. Mortgage life insurance is not linked to your mortgage debt so you can use it to pay off some or all of your mortgage.

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