Funeral Care Plan advice?

Mizmash79

My mum passed away suddenly last week. She had been paying an over 50's funeral plan and upon checking the policy it seems she has died 17 days before the 2 year period that the policy gives before they will pay out the insured sum.
Has anyone had any experience or dealings with a similar issue? We don't have a death certificate as yet (waiting for coroner) but initial enquiries I made have suggested the insurance company will only pay a percentage of the premiums my mum had paid over the last two years.
Obviously with everything we are all going through this is just another stab in the heart as my mum thought she had this all covered.
Will it make any difference that she died just 17 days before the 2 years since she took out the policy or is it straight forward that the insurance company won't pay out?

dunstonh

Sorry for your loss.

Over 50s plans are really an option of last resort. They have limitations and qualifying periods and sadly, it appears your mum was the wrong side of the qualifying period.

Will it make any difference that she died just 17 days before the 2 years since she took out the policy or is it straight forward that the insurance company won't pay out?

These things are a line in the sand. If you are the wrong side of it then you are not covered By all means ask but don't expect a positive outcome.

Mizmash79

Thankyou.
Thought as much - guess it's quite simply tough luck.