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Can a joint policy be separated into two single policies?
If you'd like to separate a joint policy, you can. One of you will keep the existing policy, while the other will be given a new one.
One thing to consider before separating a joint policy is the impact this will have on your 10% cash back benefit. If you've held your funeral insurance policy with us for three consecutive years, we give you a 10% refund of the premiums you’ve paid, and continue to do this every three years.
Although this will be unaffected for the person who keeps the original policy, the new policy will begin afresh and need to hold their policy with us for three consecutive years to receive this benefit.