Funeral Payment Helping Hand

Funeral Payment Helping Hand

The death of a loved one is always a traumatic time. But, in the midst of the grieving process, a funeral needs to be arranged and ultimately paid for.

Floral cup and saucer

For claims which are accepted, but delayed due to probate, Royal London will provide an advance payment of up to €10,000 to cover funeral costs of the deceased.

What is Funeral Payment Helping Hand?

Whilst most life assurance claims are paid immediately after acceptance of the claim, sometimes there is no remaining legal owner of the policy and payment must wait until ownership is determined. This is done by means of a grant of probate. This process can take a long time, but it must be completed before we pay out the full claim.

The average wait to achieve a grant of probate in Ireland is 489 days - roughly 16 months.* When compared to the UK, a jurisdiction with a very similar legal system, the average delay is just three to four weeks. This means that even though you have taken positive measures to protect your family financially, if you were to pass away, the wait for probate could mean there may not be immediate funds available to pay for a funeral.

Our Funeral Payment Helping Hand feature can help you bridge that gap.

How does it work?

We'll explain to the executors that Funeral Payment Helping Hand is available and how it works, and we'll then pay up to €10,000 to cover funeral costs such as a coffin, burial plot and death notices.

The payment can be made to the Funeral Director directly or to the executors of the estate upon producing a Funeral Director invoice or receipt. These costs will then be deducted from the lump sum the policy will provide, as soon as a grant of probate has been achieved.

What will it cover?

This advance payment is only available to cover costs from Funeral Directors, which can include: 

  • A coffin 
  • Burial costs 
  • Church fees 
  • Cremation 
  • Death notices 
  • Plot 
  • Services of Funeral Director, e.g. hearse/car

*Royal London Ireland - Probate Position Paper 2017.

Ask your Financial Broker

To find out more, contact your Financial Broker, who will be happy to provide you with any additional information you need. If you're an existing customer, here's how to go about making a claim.