When you take out Cover Today Over 50s Life Insurance, you’ll be offered our Funeral Benefit Option, which is provided in partnership with Golden Charter, who work with the UK’s largest network of independent funeral directors. It’s a funeral arrangement that provides a £300 contribution towards the cost of your funeral. So, for example, if your benefit amount is £5,000 and you add the Funeral Benefit Option to your policy, you will have £5,300 in total towards the cost of your funeral. Any excess benefit amount not paid to Golden Charter for your funeral will be paid to your estate or next of kin. If you choose an unattended cremation, please note that the £300 contribution will not apply1.
When you choose the Funeral Benefit Option, Golden Charter will appoint an independent funeral director who is local to you to take care of your funeral arrangements and provide support for your family. Your next of kin or estate is under no obligation to use the funeral director appointed by Golden Charter. If they choose not to, your policy benefit amount will be paid to your estate or next of kin as normal, but you will not receive the extra £300 contribution towards the cost of your funeral.
As a way of saying ‘thank you’ for choosing Cover Today, you can claim a £125 Gift Card*
Golden Charter is one of the UK’s largest funeral planning companies and they have already helped almost 900,000 people to make funeral arrangements in advance2. They are owned by an association of independent funeral directors and work with over 2,900 funeral directors across the UK. Many of these are family-run businesses that have served their communities for generations3.
Choice of £125 Gift Card, for new policy holders only, after six successful monthly payments and once your total premiums paid exceeds the value of your Gift Card. View full terms and conditions here.
Cover Today policies are issued by Scottish Friendly Assurance Society Limited, winner of Best Mutual Insurer in the CFI.co UK for the past five years in a row.
If you choose an unattended cremation, please note that the £300 contribution will not apply. An unattended cremation means there is no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes). The cremation is arranged at a crematorium at a date and time chosen by the appointed funeral director without anyone attending other than the funeral director’s staff.
Correct at April 2022.
Based on number of funeral director branches in the UK accepting Golden Charter plans at April 2022