Funeral insurance
So that, when the time comes, your family need only be together.
- Formalities
- Handled by the insurer
- Repatriation
- National and international
- Sum insured
- Reviewable
What families value.
It is a very common policy, and one of the least explained. It covers the arrangements and the full cost of the funeral, but what families really value is having someone handle the formalities at the hardest time. We check that the sum insured is up to date, because an old policy may fall short.
What the insurer takes care of.
From the first phone call to the formalities that come weeks later.
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First call
24-hour service
The family calls a single number and a case manager coordinates everything from that moment on.
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First few hours
Transfer and funeral home
Transfer of the deceased, a wake room and the choice of service in accordance with their wishes.
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The same day
Formalities
Death certificate, burial or cremation licence and dealings with the civil registry.
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Weeks later
Subsequent formalities
Certificate of last wills, guidance on inheritance and, depending on the policy, legal advice.
Cover in detail.
In short, the policy includes:
- Complete funeral service
- National and international repatriation
- Paperwork and last wishes
- Legal advice on inheritance
- Additional sum for accidental death
- Automatic update of the sum insured
- Complete funeral service
- Coffin or urn, funeral home, civil or religious ceremony, burial or cremation, depending on the sum insured.
- National and international repatriation
- If death occurs away from home, including abroad, the insurer arranges and pays for the repatriation.
- Paperwork
- Handling of certificates, permits and administrative cancellations so that the family does not have to.
- Legal advice and inheritance
- Guidance on wills, acceptance of inheritance and subsequent tax formalities.
- Sum insured update
- The cost of a funeral rises over the years; we check that the sum insured is still sufficient.
What we are often asked.
Is my twenty-year-old policy still sufficient?
Often not. Costs have risen and many older policies do not update automatically. It is a ten-minute review that is well worth doing.
Can I choose the funeral director?
With most insurers, yes, either within their network or with free choice depending on the plan. We will confirm this before you take out the policy.
Does it cover repatriation if death occurs outside Spain?
Current policies include repatriation. Older ones do not always; that is another reason to review yours.
Why review it
A policy taken out twenty years ago may today cover only part of the service. The family pays the difference.
Bring us your policy and we will tell you whether the sum insured is up to date.