What is funeral insurance?

You take out funeral insurance to protect your surviving relatives against the financial consequences of your funeral. By choosing a suitable funeral insurance policy, you can be sure that your funeral will be fully reimbursed. It gives many people a calm feeling when the matters surrounding death while alive have been arranged.

Even if you have saved enough money for your funeral, it is wise to take out funeral insurance. After all, when you die, these savings will not immediately end up in the hands of your surviving relatives. It will take some time before your savings are released. The result is that your surviving relatives will have to pay the funeral costs from their own resources. It often happens that surviving relatives get into financial problems as a result. You can easily prevent this with funeral insurance, sometimes also called burial insurance.

The pros and cons of funeral insurance

Funeral insurance is the only insurance that you know you will need one day. It is therefore wise to take out funeral insurance . This way you can be sure that your funeral can be arranged without financially burdening your surviving relatives.

No one knows how much time he has been given, so in practice the period during which you pay premium cannot be predicted. It may therefore happen that your premium payments when the insurance is paid out are higher than the amount paid out. In addition, your surviving relatives may be limited in their choices for services and products by the funeral insurance.

On the other hand, a funeral insurance policy fully reimburses your funeral so that your surviving relatives will not bear this financial burden. In addition, all worries are taken care of for them. In most cases, the bills are handled by the funeral director assigned by the funeral insurer.

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How much does a funeral cost?

The costs of your funeral depend, among other things, on your personal funeral wishes. A simple funeral obviously costs less than an extensive funeral. In addition, the choice between a funeral and cremation plays a major role. A funeral is more expensive because you also have to deal with burial rights . With burial rights you rent a grave for a predetermined period. The costs of burial rights vary widely per municipality.

What funeral insurance policies are there?

There are different types of funeral insurance, each with their own advantages and disadvantages. Which funeral insurance you choose depends on your funeral wishes and your personal preferences. You can choose between a capital funeral insurance policy, a funeral insurance policy in kind and a combination funeral insurance policy.

In-kind insurance

A funeral insurance policy consists of a package of products and services. The value of this funeral insurance depends on the package you choose. When you choose in-kind funeral insurance, you are assured that your funeral will be fully reimbursed.

The freedom of choice is limited by such insurance. In most cases, a funeral director is assigned by the funeral insurer. In addition, the package determines which services and products your surviving relatives can choose from. A major advantage is that all financial matters are taken care of for them.

  • Full compensation for the funeral

  • All care is taken care of
  • Limited freedom of choice

  • Funeral director of the funeral insurer

Capital insurance

With a capital funeral insurance policy, your surviving relatives will receive an amount that must be fully spent on your funeral. This form of insurance offers them a large degree of freedom of choice. This way they can choose a funeral director themselves and also shape the content of the funeral according to your wishes.

A disadvantage of this freedom is that in most cases your surviving relatives are responsible for the administration and financial settlement themselves. Moreover, the sum insured may prove to be insufficient to pay for the entire funeral.

  • High degree of freedom of choice

  • No assigned funeral director
  • Surviving relatives have to arrange a lot themselves

  • Responsibility for financial settlement

Combination insurance

The combination funeral insurance has the advantages of capital funeral insurance and funeral insurance in kind. Once again, you can choose a package that fully reimburses the funeral.

In addition, an amount is available with which your surviving relatives can deviate from the standard products and services. This makes it possible to make choices outside the package you have chosen. With this insurance, the care is also completely taken care of, the funeral director will arrange the financial handling of your funeral.

  • Funeral is fully reimbursed

  • Wide freedom of choice

  • Administrative care is completely
    taken care of

Costs of funeral insurance

The costs of a funeral insurance policy are reflected in premium payments. The premium you pay depends on various factors.

Premium increase

When you take out funeral insurance, the insurer will ask you a few questions about your health. Your answers will then be assessed by a doctor.

Coverage

It is important not to be guided by the premium when choosing coverage. A good funeral insurance policy fully reimburses the costs of your funeral.

Tax exemption

The funeral insurance payment is subject to wealth tax, so you must report this to the tax authorities

Indexing

The costs of a funeral increase every year. It is important that a funeral insurance policy that you take out now can still fully fund your funeral in 25 years’ time.

Frequently Asked Questions

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Impertiet risus at amet ut et. Course semper ultricies et feugiat enim amet sit. Nulla semper vulputate cras sed sed gravida. Pulvinar adipiscing dictum eget duis id odio at. Morbi a sit et nisl. Sit tempor gravida ac aliquet id. In convallis tempor est ullamcorper ac in vulputate. Facilisi pulvinar tristique nibh commodo nibh venenatis vulputate.
Impertiet risus at amet ut et. Course semper ultricies et feugiat enim amet sit. Nulla semper vulputate cras sed sed gravida. Pulvinar adipiscing dictum eget duis id odio at. Morbi a sit et nisl. Sit tempor gravida ac aliquet id. In convallis tempor est ullamcorper ac in vulputate. Facilisi pulvinar tristique nibh commodo nibh venenatis vulputate.
Impertiet risus at amet ut et. Course semper ultricies et feugiat enim amet sit. Nulla semper vulputate cras sed sed gravida. Pulvinar adipiscing dictum eget duis id odio at. Morbi a sit et nisl. Sit tempor gravida ac aliquet id. In convallis tempor est ullamcorper ac in vulputate. Facilisi pulvinar tristique nibh commodo nibh venenatis vulputate.
Impertiet risus at amet ut et. Course semper ultricies et feugiat enim amet sit. Nulla semper vulputate cras sed sed gravida. Pulvinar adipiscing dictum eget duis id odio at. Morbi a sit et nisl. Sit tempor gravida ac aliquet id. In convallis tempor est ullamcorper ac in vulputate. Facilisi pulvinar tristique nibh commodo nibh venenatis vulputate.
Impertiet risus at amet ut et. Course semper ultricies et feugiat enim amet sit. Nulla semper vulputate cras sed sed gravida. Pulvinar adipiscing dictum eget duis id odio at. Morbi a sit et nisl. Sit tempor gravida ac aliquet id. In convallis tempor est ullamcorper ac in vulputate. Facilisi pulvinar tristique nibh commodo nibh venenatis vulputate.