If you'd like to separate a joint policy, you can. If you decide to go with this option, the joint policy will be cancelled and a new policy issued to each customer.

One thing to consider before doing so 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.

The new policy will begin afresh, meaning the new policy holder will need to hold their policy with us for three consecutive years to also receive this benefit.