Question 1

What is funeral insurance?

Accepted Answer

Funeral insurance covers (part of) the costs of a burial or cremation. On average, a funeral in the Netherlands costs between €7,000 and €12,000. Insurance prevents your loved ones from being burdened with these costs.

Question 2

What is the difference between in-kind and capital insurance?

Accepted Answer

With in-kind insurance, the funeral services (such as coffin, hearse and care) are arranged directly by the insurer. With capital insurance, a fixed cash amount is paid to the bereaved, who arrange the funeral themselves.

Question 3

How high should my insured amount be?

Accepted Answer

This depends on your wishes. An average funeral costs approximately €8,000 to €10,000. If you want a more elaborate funeral, count on €12,000 or more. Always compare coverage amounts from different insurers.

Question 4

What is a waiting period for funeral insurance?

Accepted Answer

A waiting period is the period after taking out the policy during which you are not yet fully insured. Some insurers have no waiting period, while others may have 12 or 24 months. In case of death within the waiting period, often only the paid premiums are refunded.

Question 5

Can I still take out funeral insurance at an older age?

Accepted Answer

Yes, most insurers accept applications up to age 75-85. However, the older you are when you take out the policy, the higher the monthly premium. Some insurers require a medical check for older applicants.

Question 6

What does premium-free at 65 mean?

Accepted Answer

Premium-free at a certain age (often 65) means you no longer have to pay premiums from that age, but remain insured. This is a popular option because many people have less income after retirement.

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