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How can school fees continue if a parent dies?

School-fee continuity can come from life cover, a savings balance, a policy feature that waives future premiums, or a combination. The contract must state what happens if the paying parent dies.

What to check

Check the protected parent, benefit trigger, payout amount, premium-waiver wording, waiting periods, exclusions and whether benefits go to the school, trustee or beneficiary.

What could change the answer

The phrase ‘education continuity insurance’ is not a universal guarantee. Ordinary savings accounts do not continue contributions after a parent dies.

A practical next step

Calculate the remaining education cost, then ask providers to show exactly how their contract funds that gap after a covered event.

Reviewed 2026-09-09