Funeral Cover for the Over-80s

Before you compare quotes, here’s what you need to know about Funeral Cover for people over 80.

Why is it more difficult for over 80s to be covered?

While it may be difficult to find Funeral Cover once you're at the age of 80 due to the higher risk of death, there are policies available for this age group.

It may seem unfair that elderly people are less likely to receive Funeral Cover due to their age, but from an insurer's point of view, an older person is likely to pass away sooner than a younger person. This means that the older person could claim for benefits even though they've only been paying monthly premiums for a short amount of time.

Without sufficient cover, family members would have to pay for all your funeral arrangements, which they might not be able to do without getting into debt. There's no better time than the present to ensure that your funeral arrangements are fully taken care of in the event of your passing.

The best way to do this is to do your research and compare Funeral Cover plans online to find the right deal for you, especially if you are over 80 and need a policy that fits your budget. Please note that not all of Hippo's partners currently offer Funeral Cover for senior citizens.

Compare Funeral Cover Quotes


So if you're over 80, can you take out a funeral policy?

If you're a senior citizen but haven't taken out a policy before, you might need some support from your family. This is because most Funeral Cover policies provide cover after an existing policyholder reaches the age of 65, but will no longer charge premiums. That is why the cut-off age to compare Funeral Cover quotes on is 64 years of age.


Can you cover a family member who is over 80 on your plan?

This is where your family comes into play, as some Funeral Cover plans allow for policyholders to not only cover their spouse and children (sometimes age limits apply here, too), but to also include parents, parents-in-law and domestic workers.

So, if these extended family members are over 80 years of age, you'd have to disclose this and discuss adding them to your policy with your insurance provider or compare to find an insurer that allows for the inclusion of extended family members.

Compare Funeral Cover


Are there other options when it comes to Funeral Cover for over 80-year-olds?

When it comes to Funeral Cover, age matters. And it's best to take out a policy either for yourself (before 65) or for your elderly family members (preferably before they turn 75).

What can you do if it becomes tricky for some over 80s? Life Insurance could be an alternative if you're able to prove insurable interest. In layman's terms, this means that you're financially dependent on the family member you want to cover or would experience impactful financial losses if they passed away.


Please note, not all of the partners on Hippo currently offer Funeral Cover for Over 80's, and that the information in this article is provided for informational purposes only and should not be construed as financial, legal, or medical advice.