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We have a joint Funeral Insurance policy. Can we separate it into two single policies?
Yes. If you choose to do this, one owner will keep the existing policy and a new policy will be issued for the other policy holder.
This means the 10% cash back benefit (a 10% refund of the premiums you’ve paid once the policy has been held continuously for three years) will start afresh for the new policy. Any cash back accumulated on the existing policy will not carry over to the new policy.