Cover those who matter most

Your children are part of who you are and what you stand for. While nothing could ever ease the suffering when your child is sick or injured, being prepared could ease theirs.

With optional Children’s Insurance, you’ll receive up to $10,000 to cover medical expenses, time off work, or any other purpose when your child is unwell. It’s our way of helping you protect your entire family no matter what the future holds.

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Everything you need to know about funeral insurance

What does Children’s Insurance cover?

Children’s Insurance covers your child in the event of a specified accident or illness and is available for children between 2 and 17 years of age.¹

Children’s Insurance provides:

A lump sum of $10,000

Children’s Insurance pays a lump sum benefit of $10,000 should your child pass away or suffer a listed injury or illness.

You can use this money to help with extra costs at a difficult time, such as medical expenses or the cost of a funeral.

You’ll receive a benefit if your child dies as a result of:

  • An accident within the first 3 months of insurance
  • Any cause after being continually insured for 3 months, as long as it is not the result of a pre-existing or congenital condition2.

Cover for serious conditions

You’re covered if your child suffers from, or is diagnosed with, any of these serious medical conditions after 3 months of holding the policy:

  • Terminal Illness
  • Blindness
  • Deafness
  • Total and Permanent Loss of Use of One Limb
  • Encephalitis
  • Major Head Trauma
  • Meningitis
  • Paralysis
  • Benign Tumour of the Brain or of the Spinal Cord
  • Cancer
  • Severe Burns
  • Chronic Kidney Failure or Major Organ Transplant

Why Australian Seniors

You and your family need insurance that delivers real value. With Australian Seniors, you get just that and more. 

Peace of mind

Enjoy the confidence of knowing that your policy is backed by the world’s leading underwriters.

Award-winning insurance

We’ve got years of experience, helping you to protect your family and assets with award-winning products and award-winning service.

Dedicated to seniors

We believe insurance should meet your needs, not someone else’s. That’s why we focus on providing the best possible cover for Australians over 50.

Backed by experience

We’ve been doing what we love for years, just like you. Put yourself in good hands with Australian Seniors.

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Everything you need to know about funeral insurance

Funeral Insurance Frequently Asked Questions

How does Funeral Insurance work?

Funeral insurance is paid in the form of a lump sum benefit your family can use to pay immediate expenses, such as your funeral service or any outstanding debts you may have.

You choose a cover amount to suit you, and pay ongoing premium payments, usually fortnightly or monthly. In the event of claim, your beneficiary will receive your cover amount.

Is Funeral Insurance Tax deductible

In most cases, funeral insurance premiums are not tax deductible. But there’s generally no tax on the benefits that you or your beneficiaries will receive.

However, it’s always possible that tax laws may change in future. What’s more, this may not apply to your specific situation. So, it’s important to seek qualified professional advice about the tax implications of any insurance product.

Do premiums go up?

With some providers, the answer might be ‘yes’, but with Seniors Funeral Insurance Top Cover we promise your premiums will never increase and will reduce by 5% for every 5 years your policy is in force.

When the time comes, your loved ones will be paid either your cover or all of the premiums that you’ve paid – whichever is greater. This is subject to you keeping your policy in force and without changing your level of cover.

Can I buy funeral insurance for my parents?

Yes - As long as your parents are Australian residents under the age of 79 you’re eligible to apply for Seniors Funeral Insurance.

What is ‘Accidental Death’?

An ‘Accidental Death’ is a death occurring as the direct result of an Accident and where death occurs within 90 days of the Accident.

An ‘Accident’ means an event resulting in bodily injury occurring, where the injury is directly and solely caused by accidental, violent, external and visible means without any other contributing causes and where the injury is not self-inflicted.

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  1. You or your partner must be the legal guardian of the insured child, who must be an Australian citizen or resident.
  2. Cover is for Accidental Death only in the first three months. Your child will not be covered for any claimable injury or illness, or death from any cause, which becomes apparent or occurs before or during the first three months. The Benefit Amount is payable once per child insured.

Cover your children today

For ultimate peace of mind for your entire family, call our friendly team now. We're here 8am to 8pm Monday to Friday and 9am to 2pm Saturdays on 1300 078 596. You can also request a call-back at a time that suits you.