‘Help us give beloved Milton Keynes mum the farewell she deserves’ says family after discovering funeral plan is invalid

Wendy Gould, 58, from Milton Keynes, died on June 14 after a long battle with ill health including three years of dialysis, leaving behind husband Simon and daughter Katie.

The family had planned ahead by taking out a funeral policy in May, but have now been told it will not pay out as a policy holder has to survive 12 months before a claim is met.

But the family says they were never made aware of this condition and that it only came to light when they contacted the company to make a claim following Wendy’s death.

Allison Doidge, who has organised a fundraising appeal to help cover funeral costs, said: “We were under the assumption that, like most insurance policies, cover would begin from the date the policy was purchased. For example, if you take out car insurance, buildings insurance or contents insurance, you are generally covered from that day, subject to the terms of the policy. We had no idea there was a requirement for the policy holder to survive for 12 months before the benefit would become payable.

“The funeral director also reviewed the paperwork and said it was very unusual to see a funeral policy that would not pay out in these circumstances.

"We simply feel other families should be aware of this type of policy condition so they can make an informed decision and avoid finding themselves in the same position after losing a loved one.”

Wendy had asked for a simple, colourful celebration of her life, and her family are now having to fundraise to honour that wish.

Alison added: “For the last three years, Wendy fought with remarkable strength whilst undergoing dialysis and dealing with multiple complex health conditions. Through every hospital appointment, treatment and setback, her husband Simon never left her side. Together with their daughter Katie, they loved and cared for Wendy every single step of the way.

“But they are now in the heartbreaking position of trying to navigate unimaginable grief whilst also facing difficult financial decisions about how to honour Wendy’s wishes.

"Wendy simply wanted a celebration of her life, filled with bright colours, music, laughter, love and the people who mattered most to her.

“Whilst our initial target reflects Wendy’s funeral costs, any additional funds raised will be used to support Simon and Katie as they adjust to life after losing Wendy and begin rebuilding their lives without the person at the centre of their family.”

Allison said the appeal was not raising money for extravagances, expensive extras or lavish events. Family and friends simply wanted to honour Wendy with the love, dignity and respect she deserves whilst giving her family a little stability during the most difficult time of their lives.

She added: “If you’re unable to donate, please consider sharing this page. Every share, kind word and act of support means more than you’ll ever know.

“Wendy was deeply loved, and she always will be”.

The funeral insurance company declined to comment.

The appeal has so far raised just over £1k towards a target of £5.5k. You can donate here