Finding a cheap funeral insurance policy can be quite difficult. These days you have quite a lot of providers, the costs can vary considerably and you have to deal with different coverages and packages. In addition, a number of factors also play a role in determining the final premium. In Holland you can check wat kost een uitvaart gemiddeld to be sure waht the actual costs of your premium will be.
In short, it is therefore difficult to definitively call a policy the cheapest funeral insurance. Fortunately, it is possible to do some research, then it becomes a lot easier to find the cheapest funeral insurance policy in one go. Don’t feel like doing research? Then click here and immediately start taking out funeral insurance.
A lot of different factors play a role
It is important to know that a low price does not immediately mean that you have chosen a policy that suits you. We advise you in advance to choose a policy that has a good price-quality ratio.
Do good research on the cheapest option
Moreover, it is important that the policy fits in well with all your wishes and needs. Well, it will be clear. Finding a cheap funeral insurance policy is therefore more difficult as you may think.
To get you started, we have already done all the homework for you, read our guide and view all factors that play a role in the amount of your premium. Read on to find out what you should pay attention to if you want to find the cheapest funeral insurance.
Quick tips for investigating
Don’t just look at a low price, it is much smarter to choose a policy that has a good price-quality ratio.
Always make sure that you properly compare different insurers and the type of insurance when comparing.
In general it is best to opt for a policy with a low premium and a high insured amount, also take a look at the conditions that apply.
View our table of contents to have a direct overview of all important topics when choosing a cheap funeral insurance in the Netherlands.
Factor 1, the age of an insured
Age is one of the most important factors when looking for the cheapest funeral insurance. That is because the chance of death increases statistically as you get older.
If you are young you will find that the price advantage is quite large, especially if you compare that with people who are over 35. In addition, as a young person you pay a lot less premium because you have a longer term. As a result, the premium amount is spread more and it is easier to bear the total costs.
In general, the average age of someone looking for a policy is between 28 and 35 years.
For the cheapest funeral insurances, the premium in this age category is often under 10 euros per month.
There is almost always a maximum age for most policies, you will find that most insurers have a maximum of 80 to 85 years.
If you are even older and still want to have a cheap funeral insurance policy, you might prefer to opt for a deposit solution where you set aside money for the funeral every month. It is certainly not obvious that people over 80 are accepted by the insurer.
Factor 2, the insured amount in the policy
The insured amount of the total funeral also plays a major role in finding a cheap funeral insurance policy. Because this factor can vary considerably, it is one of the most important parts to do research.
Everyone has different wishes at a funeral and all kinds of parts can influence the total price of a funeral. Do you have a lot of wishes, for example? Then there is a good chance that you have to choose a higher insured amount, which naturally results in a higher monthly premium.
Certainly if you opt for a funeral, it is very important to take a good look at the total costs, such as purchasing a tombstone, paying grave rights and taking care of mourning bouquets.
You usually lose between 9,000 and 12,000 euros for an average funeral. The coverage is therefore very important.
Principle for finding cheap funeral insurance
The following maxim is usually in force and can help you find the cheapest funeral insurance that suits you. The greater the specific requirements, the higher the insured amount, the higher the monthly premium.
So if you are really looking for the most inexpensive solution, chances are that you have to add water to the wine in the area of your wishes. Do you want to implement all your specific wishes? Then there is a good chance that you will have to pay a higher monthly premium because the insured amount is higher.