You determine the final cost! What we mean by this is you can chop and change the policy until you are happy with the cost. Each person on your policy will have their own cost. At the end, all the premiums are added to make a single premium. You can add or remove cover amounts to ensure it’s affordable. Some optional benefits will cost extra. This is however your choice. It’s important to keep in mind that the older a person is the more it will cost. We always suggest getting funeral cover rather sooner than later.