Funeral cover, also known as burial insurance ( in some cases Last Expense cover), is designed to help with the costs of end-of-life arrangements like burial or cremation. It's an essential part of planning for the eventual future.
Life insurance, on the other hand, provides financial protection to your loved ones in the event of your death. It typically offers a lump sum payout to your beneficiaries, helping them cover various expenses like mortgages, debts, and living expenses, providing peace of mind during and beyond difficult times.

Funeral Cover is mostly easy to get - ideally, no medical examinations are required. You'll receive your policy instantly via email. Life Insurance requires more information about your health and lifestyle. With Funeral Cover, your premiums stay the same each year, and at a certain age (usually 85), you stop paying but keep your coverage. On the other hand, Life Insurance premiums increase as you get older, reflecting higher risk. Some Funeral Cover policies only cover funeral expenses.

While it's not mandatory, having both Funeral Cover and Life Insurance is a wise choice. Your life insurance might cover funeral expenses, but it could take time for the payout, leaving your loved ones with immediate costs.