Over 50’s life insurance or high interest account

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Hi I’m 50 in January and was planning to open an over 50’s life insurance account due to medical issues.

But reading a few opinions aren’t really that good.

Both my partner & I, not married, we’re considering opening a high interest long term savings account just for funeral costs.

What would be the best option. We have no property so it would be purely for funeral costs.

Thanks

Nettie.

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