Funeral insurance could be considered by every Australian between the ages of 18–79.

What does it do?

Funeral insurance is a way to provide peace of mind for your family during a difficult time, by providing a lump sum payment to help them pay for your funeral and any final expenses you leave behind.

A lump sum payment when you pass away makes it easy for your loved ones to pay for:

  • your funeral (i.e. burial or cremation, service, death certificates, flowers, clergy fees, etc)
  • any unpaid bills or expenses you leave behind
  • any financial pressures facing your family at the time (i.e. mortgage, school fees, car loan, etc).

Cover the people that matter most

Who can take out funeral insurance?

Anyone can apply for funeral cover, as long as they meet the provider’s eligibility criteria. Seniors Funeral Insurance guarantees cover for Australian residents between the ages of 18 and 79, with no medical exams or blood tests required.

Whatever kind of funeral you have in mind, whether it’s a simple cremation or an elaborate service, funeral insurance will help to make it happen by providing your loved ones with the immediate finances needed to honour your wishes.

Who is funeral cover most suitable for?

  • Funeral insurance is a good choice for those who don’t want to spend a lot of money upfront. Unlike pre-paid funeral plans, where you have to make a large upfront payment, with funeral insurance you can simply pay a fortnightly or monthly premium for your policy and your loved ones will still get the full benefit amount if you die, regardless of how much you’ve paid in.
    Read more about the difference between funeral insurance and pre-paid funeral insurance plans.
  • Funeral insurance is a great option for those who don’t want to have to plan their funeral service right away. Rather than having to lock in the details upfront with a funeral director, you can simply include your funeral wishes in your will, knowing that your loved ones will be able to fulfil them using the lump sum pay out from your funeral insurance policy.
  • Funeral insurance is ideal for those who value convenience. You can take out a policy over the phone in just minutes, with no medical exams or blood tests required. And it’s just as convenient for your loved ones when the time comes, as the benefit they receive can be spent on your funeral along with anything else they need at the time, such as covering any outstanding bills or expenses.

What to keep in mind when researching a policy

Make sure the lump sum pay out your loved ones receive is never less than the total premiums you’ve paid.

For example, Seniors Funeral Insurance Top Cover will provide the following benefits:

  • You will never pay more than your loved ones receive. When the time comes, your family will receive your benefit amount or all of the premiums you’ve paid in – whichever is greater.*
  • Your premiums won’t increase with age. Seniors Funeral Insurance premiums will never go up – and in fact, they will reduce by 5% for every five years that you continue to hold your policy.
  • You can choose an early cash back option. If your financial circumstances change after you turn 85, you have the option to cancel your cover and receive an Early Cash Back payment of 150% of your benefit amount.^

Funeral Cover from $6.03 a week1

Peace of mind for you and your loved ones

Funeral insurance gives everyone peace of mind.

  • It protects your family from financial hardship during a difficult time by helping to pay your funeral costs and other final expenses.
  • It’s easy to secure a policy over the phone, with no medical exams required and you can choose a benefit amount up to $15,000.

How Australian 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

Need more help deciding?

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Everything you need to know about funeral insurance

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1. Based on a single plan, providing a $3,000 benefit for a person aged 60.

* 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.