Funeral cover for parents over 65, 75 and 84: what changes

Parents can be added to most policies, but the upper age limit differs by insurer, usually 74 or 84, and premiums rise sharply in each band. This guide explains what changes at 65, 75 and 84, how insurers price a parent living elsewhere, why some apply longer waiting periods to older parents, and what to ask before you add them.

This guide is being expanded. The summary above is complete and correct as at September 2026.