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There are some instances that mean you won’t receive the full Funeral Benefit. These are if, in the first 12 months of your policy, you die as a result of:

  • An accident that happened before the policy start date
  • Sickness
  • An intentional self-inflicted act

If this happens, we will refund all of the premiums that have been paid.

If you die after the first 12 months, the funeral benefit or the amount you have paid in premiums, whichever is greatest, will be paid in full.