Funeral benefit option
Most of us want to leave our loved ones with happy memories, not a difficult funeral bill. This simple, but free, addition to Over 50s Life Cover policies could help put both your and your loved ones’ minds at ease.
What is the funeral benefit option?
It's something you should consider adding to your Post Office Over 50s Life Cover policy if you want the cash sum to pay towards your funeral. Adding it won’t cost you a penny more. But it could help make a difficult time easier for those left behind.
-
Your policy payout could be paid directly to Co-op Funeralcare to arrange and help pay for your chosen funeral
-
Depending on the type of funeral you choose with Co-op Funeralcare, you’ll be eligible for a discount of up to £250 towards its final cost
-
Your loved ones will be supported through the process at a difficult time
How does it work?
You can add the funeral benefit option to your Over 50s Life Cover when you apply or any time later.
When the time comes, a payment will be made to Co-op Funeralcare. They’re one of the UK's leading funeral directors, with over 800 Co-op funeral homes. So there’s always a funeral director ready to support your family.
With a single call, a funeral director will take care of all the arrangements. And they’ll work with your loved ones to create the type of funeral you’ve said you want. This can be a huge help at a difficult time.
Depending on the funeral type you choose, the funeral benefit option can also come with discount of up to £250.
Tailored funeral
| What it includes | Discount |
|---|---|
| When Co-op Funeralcare arrange a tailored funeral with you, the first thing they’ll do is listen. Then they’ll advise, guide and inspire you to create a tailored funeral arrangement. From a horse-drawn hearse to a favourite colour theme, you decide what you want, and they’ll do their best to make it happen. | £250 |
Essential funeral
| What it includes | Discount |
|---|---|
| The essential funeral is a simple, lower-cost option that provides everything needed for a funeral. This option might suit if you want to keep costs down or a simpler send off. | £100 |
Direct cremation
| What it includes | Discount |
|---|---|
| A direct cremation is an unattended cremation without a funeral service. This allows the person arranging the funeral to choose their own way to remember their loved. This can be at a place and time that suits them. | £50 |
Get life cover and an offer of your choice by getting a quote online or by phone
When you buy Post Office Over 50s Life Cover, you’ll also get a special reward. Choose a gift card from a choice of retailers or an unforgettable experience by getting a quote online or by phoning 0330 123 3977^.
Quote ‘TREATS’ when applying by phone for the experience offer.
Gift card offer
As a thanks for getting cover with us, select a £125 gift card† from one of these top retailers
- Choose a Tesco, M&S or Amazon.co.uk Gift Card*
- Flexible and easy to use for everyday shopping
- Perfect for shopping, home essentials, or treating yourself
† Qualifying period, minimum premiums and terms and conditions apply
Experience offer
Prefer experiences? Choose one around the UK worth £200†† to celebrate putting peace of mind in place
- Choose a Luxury Night Away or a Family Adventure Day
- Hundreds of experiences available nationwide
- A great way to celebrate peace of mind with a well-deserved break
†† Qualifying period, minimum premiums and terms and conditions apply
Common questions
-
No. It doesn’t cost extra to add the funeral benefit option to your over 50s life cover policy.
-
If you bought your policy on or after 22 February 2021, you can add the funeral benefit option. That’s also long as:
- You haven’t already added it to another Post Office Over 50s Life Cover policy
- You haven't added it to a similar policy you hold with another provider
- You don’t already have a funeral plan
If you take out a different funeral plan in the future, the funeral benefit option will be cancelled. Once you remove it, you can’t add it back on.
-
You can remove the funeral benefit option any time before your death. If you die, those who represent you can remove it too. But they’ll need to do this before Co-op Funeralcare has been instructed to provide your funeral service.
If the funeral benefit option is removed at any time, the cash sum from your Post Office Over 50s Life Cover policy will be paid to your legal beneficiary. You’ll no longer be eligible for any discount that applies towards your funeral costs.
-
Using Co-op Funeralcare is the only way to qualify for the applicable discount. But it's possible to remove this option at any point before Co-op has actually been instructed to provide the funeral.
- Visit our life cover support page
Important information
Articles and guides
Death in service vs life insurance
Death in service cover is a useful employee benefit but relying on it alone ...
The nation's relationship with life insurance
For many people, life insurance is an important way to protect their loved ...
Life insurance for self-employed people
Life insurance is more than just a safety net. It can be a smart investment in ...
Life insurance vs life assurance
What’s the difference between life insurance and life assurance? We can help ...
Family life insurance: protecting your loved ones
Your family is unique. Protecting them from life’s uncertainties is important. ...
How much is a funeral in the UK?
No one really likes to think about their funeral. But it’s important to because ...
Joint vs single life insurance policies for couples: what’s best for ...
Choosing the right life insurance policy as a couple can be challenging. Should ...
What is life insurance?
Life insurance can offer your loved ones peace of mind and financial security ...
What to expect from life insurance
Our guide takes you through what to expect from life insurance, from the ...
Understanding mortgage life insurance
If you want to leave your loved ones financial protection for your home, even ...
6 reasons why you need life insurance
It seems there are certain events in people’s life that prompt them to buy life ...
What are the benefits of life insurance?
Life insurance can give your family financial support if you pass away during ...
Life insurance and critical illness cover at 50: Protecting your ...
Turning 50 is a great time to try new things. The right life cover can help you ...
Protect your family
Life shouldn't stop for your loved ones if the unexpected happens to you. Let's ...
About our Over 50s Life Cover
Post Office Over 50s Life Cover is underwritten by Aviva Protection UK Limited and jointly administered by Neilson Financial Services Limited and Aviva Protection UK Limited. If you buy Post Office Over 50s Life Cover in a Post Office branch, it is arranged and sold by Post Office Limited and Post Office Management Services Limited. If you buy Post Office Over 50s Life Cover over the telephone or online via the Post Office website, it is arranged and sold by Neilson Financial Services Limited, following an introduction by Post Office Limited. If you buy Post Office Over 50s Life Cover online via a price comparison website, it is arranged and sold by the firm that provides the price comparison website services.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered office: 100 Wood Street, London, EC2V 7ER.
Offer terms and conditions
† Gift card offer ends 31 December 2025. Minimum premiums and 180-day qualifying period applies.
†† Experience offer ends 31 December 2025. Minimum premiums and 180-day qualifying period applies.
* Restrictions apply, see amazon.co.uk/gc-legal
Things you need to know
Depending on how long you live, you could pay more in monthly payments than the cash sum we pay out when you die. The cash sum you choose is fixed and inflation (the rising cost of goods and services) will reduce its value over time.
Footnote
^ Opening Hours: Monday to Friday: 9am - 8pm, Saturday: 9am - 5pm, closed on Sundays and bank holidays. Call charges: Calls to 03 numbers will cost no more than calling a standard UK number starting with 01 or 02 from your fixed line or mobile and may be included in your call package. Calls may be monitored or recorded for training and compliance purposes.