What is the difference between funeral insurance and death insurance?

What is the difference between funeral insurance and death insurance?

Funeral insurance finances your funeral and possibly provides for its organization according to your last wishes and the contract you have chosen to take out.

Death insurance provides for the payment of a capital or an annuity to one or more designated beneficiaries in the event of the subscriber's death before the end of the contract. The death insurance contract is therefore for a fixed term and its beneficiaries are not obliged to use the paid-in capital to organize the funeral.

If your death contract ends before said death, the sums paid on it are lost! Conversely, with life insurance, regardless of the time of your death, the beneficiary will receive the capital saved.
What is our opinion on the various funeral insurance?
ACM - Securitys
Particularities
Financing contract including assistance guarantees. Average amount of capital chosen: € 3,250
Assistance
Repatriation and transfer of the body, information on the organization of the funeral and the rules of succession
Our opinion
No details on the minimum and maximum subscription amounts. Contract not very detailed. Average prices.
AG2R - Prima Wills Funeral +
Particularities
3 possible formulas:
initial: € 3,400;
serenity: € 4,100;
prestige: € 5,900.
Assistance
Repatriation of the body,
housekeeper at home, care of pets, of the home during funerals, companion
Our opinion
Clear and well presented contract. Correct prices.
AGF Funeral
Particularities
financing contract including assistance guarantees. Amount of capital: from 3,000 to 10,000 €.
Assistance
Practical information on death and inheritance. Care of pets, repatriation of the body if the death occurs more than 30 km from the home, household help, psychological assistance
Our opinion
Clear and well presented contract, average prices.
Aviva - Funeral convention
Particularities
Amount of capital: from 1,000 to 8,000 €. Possibility of organizing the funeral through a company approved by the OGF group. Contribution payable per month, quarter, semester or year.
Assistance
Transport of the body for a death more than 200 km from the home. Assistance and advice after death.
Our opinion
Clear general conditions, average prices and cannot be revised. Only contract not to revalue the capital, not necessarily a good deal.
La Banque Postale - Résolys Funeral Services
Particularities
3 possible formulas: 3,000, 4,000 and 5,000 €, plus optional capital of 1,500 €.
Assistance
Repatriation of the body in the event of death more than 50 km from home, advice and administrative assistance, legal assistance and daily life.
Our opinion
No details on funeral services in the Résolys Services contract. Correct prices.
Surrogacy - Surrogacy Funeral Agreement
Particularities
Civil contract separated into services with 3 possible formulas:
violet: € 3,200 for a single person, € 6,300 for a couple;
thought: 4,550 and 8,700 €;
anemone: 6,700 and 10,850 € for a cremation, 7,900 and 12,900 € for a burial.
Assistance
Repatriation of the body, telephone assistance before, during and after the funeral, administrative and technical procedures. Provision of a guide to help with the procedures.
Our opinion
Very strict medical screening at the entrance, a little complicated formula. Due to a minimum contribution of € 39 per month, an expensive product but for a higher guaranteed capital (€ 7,110 for membership at 60 and € 5,700 at 65).
Macif - Services + Funeral
Particularities
2 formulas:
in capital for € 3,000;
in services (Integral formula) with two options at 3,500 and 4,200 €.
Assistance
Information service relating to death and the organization of funerals. Repatriation of the body to the place of burial. Movement of a family member to the place of death, return of accompanying persons. Home help. Transfer and custody of pets.
Our opinion
Low capital if you do not subscribe to additional capital. Clear general conditions, except for the revaluation of the capital, too complicated, beneficiary clause well explained. Competitive rates.
Parnasse-Maif - Solicitudes
Particularities
Amount of capital:
for individual membership: € 4,000 or € 8,000;
in joint membership: € 8,000 (half being paid on the first death) or € 12,000.
Assistance
Administrative, legal and practical information services. Repatriation of the deceased, support and organization of the movement of relatives. Help and support services for loved ones for funerals and in daily life
Our opinion
Inability to modify the amount of the death benefit and to choose other amounts. General conditions well presented, correct prices.
Malakoff - Post-Scriptum
Particularities
Three levels of service:
Serenity at € 3,000;
Fullness at € 4,000;
Privilege at € 5,000.
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