ESENITFR
624 185 167 Get your quote
  1. Home›
  2. Insurance›
  3. Funeral Insurance›
  4. Senior Funeral Plan
Funeral Insurance & Life Assistance

Senior Funeral Plan: everything settled at once, no payments for life

Designed for older people, as a guide from around age 71: you pay once, with no further payments, and it's all settled. It includes the full funeral service, assistance in case of illness, and help with the surviving spouse's pension paperwork.

Get your quote, no obligation → Message me on WhatsApp
Personal advice · Same-day reply · No extra cost for my advice
Why people choose this option
  • ✓ Paid once, and there's nothing more to think about
  • ✓ Often taken out by children for their parents
  • ✓ Includes help with the surviving spouse's pension

What it is and why it's right for you.

The Senior Funeral Plan is the option in the range designed for older people, as a guide from around age 71. It's taken out with a single premium: one payment, at the time you take it out, with no further periodic payments to remember for the rest of the policy's life.

It's common for children themselves to take it out for their parents, precisely to get it settled once and for all and avoid having to deal with everything at as difficult a time as a death. On top of the full funeral service, it includes assistance in case of illness, social guidance and help with the surviving spouse's pension paperwork.

How I work: I help you work out the right sum insured based on the area where the insured person lives, and I clearly explain what the single premium includes, so there are no surprises later on.

What's included

Senior Funeral Plan cover.

Full funeral service

Cremation or burial, as you prefer, with all the paperwork handled by the insurer's team.

Single premium

One single payment when you take it out, with no premiums for life to remember or manage.

Illness assistance

Assistance services designed to support the insured person in case of illness.

Paperwork and procedures

Administrative paperwork around the death handled by the insurer's team, with no burden on the family.

Surviving spouse's pension support

Support with the surviving spouse's pension paperwork before Social Security after the death.

Social guidance

Information and support on the aid and resources available for the senior profile.

Services, cover, limits and waiting periods are set out in the policy's general and specific terms. Micol will explain the exact scope of each one before you take it out.

For you, or for your parents?.

Often it isn't the older person themselves who takes out the Senior Funeral Plan, but their children: they want to get something settled that could otherwise become a financial and administrative burden at an already difficult time. Because it's a single premium, there's no need to worry about future payments or about the policy being cancelled for non-payment.

If the person you want to insure is younger, or prefers a periodic payment rather than a single premium, the Comprehensive Funeral Plan will probably fit better, and it also includes living benefits such as doctor, dentist or travel cover. I'll help you compare both options with real figures before you decide.

Funeral Insurance Range

Choose the funeral plan that fits you.

The Senior Funeral Plan is the single-premium option for older people. If you're insuring someone younger or prefer a periodic payment, the Comprehensive Funeral Plan might fit better.

Single premium

Senior Funeral Plan

One single payment, no payments for life, with social guidance.
People over 65-71.

See this option →

Comprehensive Funeral Plan

Full funeral cover + living benefits (doctor, dentist, travel, pet, lawyer).
Any age, your whole family.

Discover this policy →

See all Funeral Insurance information

Check out the full picture of Funeral Insurance & Life Assistance, with the calculator and full detail on all the living benefits.

See full page →
MA
Micol Astorri
Insurance advisor
Why work with me

Why take out your Senior Funeral Plan with me.

  • ✓ Personal, close service: you always talk to me
  • ✓ I explain the single premium with clear numbers, no small print
  • ✓ I'll help you even if you're taking it out for one of your parents
  • ✓ I'm there for you when a claim comes up too
  • ✓ My advice never costs you more

Registered with the Spanish Insurance Distributors Registry (DGSFP) no. C0133X4340072H

About me →
How to get covered

Your Senior Funeral Plan in three steps.

1

Tell me who will be insured

Age and province are enough to start working out the right sum insured.

2

I prepare your clear proposal

The single-premium price up front, with no small print, within 24-48 hours.

3

It's settled at once

No future payments to remember; and I'm here for any question afterwards.

Frequently asked questions

Before you write to me.

The questions I get asked most about the Senior Funeral Plan. If yours isn't here, write to me and I'll answer personally.

What exactly is the Senior Funeral Plan? +
It's the funeral insurance option designed for older people, as a guide from around age 71. It's taken out with a single premium: you pay once and it's settled, with no premiums for life. It includes the full funeral service and additional assistance in case of illness.
What exactly does 'single premium' mean? +
It means you pay for the insurance just once, at the time you take it out, and you don't need to worry about further payments for as long as the policy lasts. It's a simple way to get it settled once and for all, without relying on remembering to pay every month or every year.
From what age can I take out the Senior Funeral Plan? +
As a guide, from around age 71, although the exact range can vary. If the person is younger, the Comprehensive Funeral Plan, with a periodic premium, usually fits better. I'll confirm which option makes sense for the specific age.
Can I take out the Senior Funeral Plan for one of my parents? +
Yes, it's common for children to take out the Senior Funeral Plan for their parents, precisely to get it settled and avoid having to deal with it at a difficult time. I'll take care of explaining the whole process and the terms to you.
What does the Senior Funeral Plan's funeral service include? +
The full funeral service — cremation or burial, as you prefer — with all the paperwork and administrative procedures around the death (documents, certificates) handled by the insurer's team, so the family doesn't have to deal with anything.
What assistance is there in case of illness? +
The Senior Funeral Plan includes assistance services in case of illness, designed to support the older insured person, on top of the funeral cover. The exact scope is set out in the policy terms.
Is it true that you help with the surviving spouse's pension? +
Yes, the Senior Funeral Plan includes help with the surviving spouse's pension: we support you with the paperwork before Social Security after the death, to ease the administrative burden on the family at that time.
What is the social guidance you mention? +
It's support specifically designed for the senior profile: information and guidance on the aid, resources and social procedures available, on top of the strictly funeral-related cover.
Is it cheaper than the Comprehensive Funeral Plan? +
They can't be compared directly: the Comprehensive Funeral Plan is paid periodically (increasing, level or mixed premium), while the Senior Funeral Plan is paid in a single payment. The total amount depends on age, the sum insured chosen and life expectancy. I'll prepare both quotes so you can compare with real numbers.
Is there a waiting period on the Senior Funeral Plan? +
Yes, there's an initial waiting period after taking out the policy. If death occurs within that period, the benefit may be limited as agreed in the terms. I'll explain the exact detail before you take it out.
What happens if the insured person lives for many more years? +
Nothing at all: since it's a single premium, everything is already paid. The policy stays in force and covered throughout all those years, with no further payment to remember or make.
Can I choose between cremation and burial with the Senior Funeral Plan? +
Yes, you can state your preference and change it later if you want. That way your family doesn't have to decide at such a difficult time.
Is the application process complicated? +
No, it's designed precisely to be simple: a few details, a clear answer on the sum insured and the single-premium price, and you're covered with no further recurring paperwork.
How much cover do I need to take out with the Senior Funeral Plan? +
It depends on the average funeral cost in your province, which in Spain averages between €3,500 and €5,000 (an indicative figure that varies by area). I'll help you work out the sum insured that fits the reality of where the insured person lives.
Can someone with a pre-existing illness take out the Senior Funeral Plan? +
It depends on the illness and the underwriting terms in force at the time. I'd recommend telling me the specific situation, and I'll confirm whether any particular condition applies before you take it out.
What's the difference between the Senior Funeral Plan and the Comprehensive Funeral Plan? +
The Comprehensive Funeral Plan is the general option for any age, with a periodic premium and living benefits such as doctor, dentist or travel cover. The Senior Funeral Plan is a single-premium policy, for older people, with social guidance and help with the surviving spouse's pension paperwork. I'll help you decide which one fits best.
Can the Senior Funeral Plan be paid in instalments instead of all at once? +
The defining feature of this option is precisely the single premium. If you'd prefer a periodic payment, the Comprehensive Funeral Plan is the option that fits that need; I'll explain both so you can decide with full information.
What happens if death occurs before the waiting period is over? +
If death occurs during the initial waiting period, the benefit may be reduced or limited as agreed in the terms. I'll explain exactly what applies in each case before you take it out, so there are no surprises.
Can I change the sum insured later on? +
Any change to a single-premium policy usually involves a review of the terms, since the initial payment was calculated for that specific sum insured. Ask me about it and I'll explain the options available in your case.
Does asking for a Senior Funeral Plan quote commit me to anything? +
No, asking for a quote is free and with no commitment. Tell me the age and area of the person you want to insure, and I'll prepare a clear proposal with the single-premium price up front.
Let's get started

Let's get your Senior Funeral Plan sorted.

Tell me the age and area of the person you want to insure, and I'll prepare a clear single-premium proposal, no obligation.

Request a quote → Message me on WhatsApp