Funeral insurance provides valuable financial assistance to your family to help pay for your funeral, and other unpaid bills, when you pass away. It helps to ensure your final expenses are taken care of, relieving your loved ones during this emotional time.

How funeral insurance works?

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.

It works in much the same way as other types of insurance, where you pay a fortnightly or monthly premium calculated according to factors such as your age and the amount of cover you require.

While traditionally burial services were always held in a church, mosque, temple, synagogue, or other religious building, of recent times there has been more of a trend to personalising the service and having the service in parks, by rivers, on beaches, and even at local football ovals.1

What it covers?

A funeral in Australia can cost anywhere between $4,000 to $15,0002, which can be a large sum of money for your family to find at short notice. Having funeral insurance means they can provide you with a fitting send-off that honours you and celebrates your life in a manner that suits your individual style.

By choosing a benefit amount that matches your needs, you and your loved ones can take comfort in the knowledge that whatever immediate expenses may arise at the time of your passing, your funeral insurance will cover them.

A funeral insurance lump sum payout can be used to cover things such as:

  • your funeral service
  • outstanding bills or expenses
  • any immediate financial needs your family may have at the time.

Considering Funeral Insurance?

What to consider when purchasing funeral cover?

When deciding whether funeral insurance is right for you, you should consider the style of funeral you would like and then ask yourself whether your family could afford to pay for it at short notice? In most cases, the answer would be ‘no’ and this is where funeral insurance can help to cover the costs and other related expenses.

Who normally pays for your funeral?

In most cases, the responsibility for arranging and paying for your funeral falls on your next of kin (your spouse, child, parent, legal partner or sibling). So, by taking out funeral insurance, you can take comfort in the knowledge that you are giving them one less thing to worry about when the time comes.

You should consider the following when choosing the benefit amount of your funeral insurance cover:

  • the likely cost of your funeral service
  • any bills or small unpaid debts that you may leave behind.

Your family might be eligible for a government bereavement payment, depending on your financial circumstances at the time of your passing3, but when compared with the cost of the average funeral, it may fall considerably short of what would be needed.

Funeral expenses will vary depending on your personal wishes and your family’s needs, but at the very least costs can include:

  • funeral director fees
  • burial fees or cremation fees
  • flowers
  • catering
  • death certificate
  • celebrant
  • newspaper notices
  • casket.

Learn more about how much funerals can cost.

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Everything you need to know about funeral insurance

Will I pay more in premiums than the total benefit paid?

With some providers, the answer might be ‘yes’, but with Seniors Funeral Insurance Top Cover you’ll never pay more in premiums than the total benefit paid to your family.

When the time comes, your loved ones will be paid either your cover amount or all of the premiums that you’ve paid in – whichever is greater1.

How Australia Seniors can help

Seniors Funeral Insurance will pay a lump sum to your loved ones (up to $15,000) when the times comes, to be spent as needed to cover immediate expenses.

Benefits of choosing Seniors Funeral Insurance

Choose a level of cover that suits you

Seniors Funeral Insurance pays a lump sum to your family from $3,000 to $15,000 upon your death, with cover for Accidental Death only in the first 12 months.

A quick payout to your family

Claims are usually paid within 1 business day of all completed documentation being received, so you can be sure your family has the financial help they need with little fuss.

Receive your covered amount, or all of the premiums you’ve paid in

When you make a claim under our Top Cover policy, your family will receive the covered amount or all of the premiums you’ve paid in – whichever is greater*

Getting cover is easy

If you’re an Australian resident aged 18 to 79, you’re guaranteed cover. No medical screening, complicated paperwork or blood tests required.

Costs that go down instead of up

We promise that your premiums will reduce by 5% every five years you hold your policy

More control over your policy

Choose a payment frequency that works for you and your budget and list up to 5 different beneficiaries.

Early cash back option

With our Top Cover, you have the choice to cancel cover when you turn 85 to receive an Early Cash Back payment of 150% of your benefit^

Triple benefit for Accidental Death

From the day your Policy starts, your loved ones will receive triple your benefit amount if your death is the result of an accident – up to $45,000.

Triple benefit for Accidental Serious Injury

Seniors Funeral Insurance includes, at no extra cost, Accidental Serious Injury cover at three times your chosen benefit amount. So you’re covered for defined significant life-changing events caused by an accident, up until the age of 75.

See more benefits

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Everything you need to know about funeral insurance

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Cover for Accidental Death only in the first 12 months.

1. Where is an appropriate place to hold a funeral? Councils decide as mourners move away from tradition – ABC News

2. Paying for your funeral – Australian Securities and Investments Commission

3. Bereavement Payment – Department of Human Services

* This is subject to you keeping your policy in force and without changing your level of cover. There is no refund of premiums after the cooling off period. If your policy is cancelled prior to age 85, no benefit is payable.

^ If you choose the Early Cash Back option, you will no longer be eligible to claim and you may receive less than the total premiums you’ve paid into your policy to date.

Cover the people that matter most today

For total 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.