
Register the death
Usually within 5 days in England and Wales, or 8 days in Scotland.
One thing at a time
There’s a lot to do, and you don’t have to do it all at once. Here are the practical steps, in the order most people take them.
Take your time. Call us if you’d like help finding a policy.

Some of this has deadlines. Most of it can wait until you’re ready.
The usual order. Someone can help you with each of these.

A doctor issues the medical certificate of cause of death. You’ll need it to register the death.

At a register office. You’ll get the death certificate, and can use Tell Us Once to inform government services.

A funeral director can guide you. After that come the bank, the pension and any insurance, and probate if needed.
Short, practical answers.
Usually a relative. If there isn’t one, someone who was there at the death, or the person arranging the funeral, may be able to.
A free service that tells most government departments about the death in one go, such as HMRC, the DWP and the passport office. The registrar will tell you about it.
Often, if the person left property or larger sums of money. Each bank or organisation has its own limit. Read about probate for more.
Look through their paperwork and bank statements for regular payments to an insurer. If they arranged a policy through us, call us and we’ll help you find it.
If a death was sudden or the cause is unclear, it may be referred to a coroner. Registering and the funeral may take longer, and the coroner’s office will explain what happens next.
Step by step
Gov.uk has a full guide to what to do after a death, including Tell Us Once. See gov.uk/after-a-death.
Help with funeral costs
If you get certain benefits, you may be able to get help paying for the funeral. See gov.uk/funeral-payments.
Someone to talk to
Cruse Bereavement Support offers free support. Call their helpline on 0808 808 1677 or see cruse.org.uk.
Talk to a real person, whether you need help finding a policy or just aren’t sure where to start.
Monday–Thursday 9am–7pm, Friday 9am–3pm
