New style ESAat employ

morning all, I hope you’re having a good day today?

I’m a little concerned about new style Esa? Firstly because being on this allows you to have savings without any deductions being taken. However with all the talk that now DWP etc will have access to your bank account. That being the case are they going to tax those savings? The reason I ask is that when I was working part of my salary benefits was life insurance. So I had both me and my husband cover. The problem with that is once you leave the employment your life insurance is automatically cancelled. As we have both become disabled we were unable to get any other insurance at a reasonable rate. So the savings are specifically for both our funerals with a little extra for emergencies that may crop up. However if this is now going to be taxed or we are moved to universal credit where they could reduce your benefit because we have savings, or remove benefit completely until savings have been used for everyday living expenses. Does anyone know how this will work or have any solutions at all please?