Funeral Insurance Costs

We're Human About Insurance

Irish people should be more upfront about discussing death. Because of that, many of us are left with questions about how best to plan for our own funerals. Few of us feel we are financially well prepared for our own funeral and almost half* say they’re worried about leaving bills behind for loved ones. Our Funeral Guide is a practical overview of all that planning a funeral entails.

*An Post Insurance Funeral insurance poll conducted by Red C in February 2024.

The Costs of Funerals in Ireland

Funerals can be costly, depending on your plans. You may even be underestimating the cost. Here are some things to consider: 

The Funeral Director

The cost of a funeral director can vary and largely depends on what’s included in the offering, such as coffin, removal, and transportation being common options. 

Your Plot

Burial can be expensive, especially in locations like Dublin. Prices can range nationwide, so this is an important one to think about. (1)

Funeral Arrangements

Extras you could consider include flowers, musician, and perhaps even church service. Other costs include death notices and memorial cards. All these preferences can further increase your costs.

Low Income Funeral Benefits

Depending on your income, you may be eligible for an Exceptional Needs Payment to assist with funeral costs. Eligibility is decided on a case-by-case basis by your local Department of Social Protection Intreo offices. (2)

1) See An Post Insurance Funeral Guide for costs.
2) See citizensinformation.ie for more information.

How Funeral Insurance can help

Taking out a funeral plan can help you and your family to be financially prepared for the costs of your funeral, and some of the bills that you may leave behind. Taking out Funeral Insurance with An Post Insurance will help save loved ones the worry and stress of financing your funeral at an emotional time. Some key points include:

Premiums

Premiums start at just €15 per month*. Your monthly premium is based on the age you commence your policy and the level of cover you choose.

Lump Sum Payment

If your policy has been active for two years, your loved ones will receive a lump sum payment to help cover funeral expenses. If your death takes place within the first 2 years, your beneficiaries will receive a sum equal to the amount you have paid in at the time of your death.

No Medical Question

If you’re aged between 50 and 75 years and resident in the Republic of Ireland, you may be eligible for this product. You don’t need to worry about any medical questions, check-ups or reports

Travel Accident Benefit

If you have a fatal motor accident or an accident as a fare-paying passenger or pedestrian, your beneficiaries will receive double the amount of your selected life cover.**

*For example a 50 year old paying a monthly premium of €15 (including 1% Government levy) would be assured for cover of €4,700. The total premiums paid over the term of your policy may exceed the death benefit.

**If while your policy is in force, you have a motor accident or an accident as a fare-paying passenger or pedestrian and you die as a result of this accident within 3 months, your beneficiaries will receive double the amount of your selected life cover.

**Please note, this Complimentary Will Service is not suitable for everyone, and you may require additional third party or legal assistance. If you require a more comprehensive legal document, ARAG can cater for this request too, by providing access to their extensive network of legal experts who will, at a discounted rate, assist you in building a will tailored to your specific need. Full terms and conditions for the Complimentary Will Writing Service promotion. 

Good to Know

It's not easy making plans for the future, but we're here to help. We've gathered together all the details you need to better understand your Funeral Insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve, at the price you prefer.