Funeral Insurance Finder™

Rates and Fees verified correct on January 23rd, 2015

Find Funeral Insurance in Australia - Low Cost Cover with Fast Approval

Funeral Insurance provides a financial benefit to your family in the event of your death, providing great financial security at a stressful time. This payment can come as great relief in this difficult time as it ensures your family can pay for the funeral service they want and focus the families finances towards other expenses. Most policies will allow applicants to take out up to $30,000 in cover and premium payments will usually cease at age 90.

In comparison to most other forms of personal insurance, applicants are not usually required to undertake a medical examination. Funeral Insurance can be a good option for applicants that have struggled to successfully take out life cover in the past in the event that they were considered too great a risk for insurance providers.

It is critical for anyone looking to take out funeral insurance to assess if they are better off with insurance or relying on funds in their super or savings to cover the cost of their funeral. Applicants must have a clear understanding of the conditions of the policy before submitting their application.

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The amount you would like your family to receive to cover your funeral expenses. If you are not sure what costs that are involved in a typical funeral arrangement, it is advised to speak to an insurance consultant.
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Final Expenses Cover Freedom Final Expenses Cover

Pay nothing for the first year of cover and choose between stepped and level premiums.

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Funeral Insurance

Who is it for?

Singles with no dependants

People with financial dependants

Working or retired senior citizens

People who are looking to cover their funeral, but do not wish to take a out a full life cover policy

When is the Benefit Paid?


In the event of your death, the cover for your funeral costs up to the insured benefit amount will be paid.

How is funeral insurance paid?

A lump sum payment is paid to the estate, to cover the immediate costs of your funeral.

Documents required for benefit to be received:

  • A death certificate
  • The original policy document and policy schedule
  • Completed claim form

When will I get the payment?

You will generally get the payment within 24 hours of a successful claim

What are the key features of funeral insurance?

  • Guaranteed acceptance: when you apply for Funeral Insurance, you will get a guaranteed acceptance if you are between 17 to 80 years of age
  • No medical examinations required: you are not required to through medical exams or blood tests when you apply for cover
  • Guaranteed coverage for life: once you reach 90 years of age, your premium payments will cease, but your coverage will continue for life
  • Accidental death cover for the first 12 months: in the event of your death due to an accidental death, your beneficiaries will be entitled for a benefit payment of the full-sum insured within the first 12 months. If the accidental death occurs after the first 12 months of the policy being taken out, 3 times the benefit amount will be payable to your beneficiaries
  • Refund of premiums for death that occurred in the first 12 months: all premiums paid to date will be refunded if you happen to die of natural causes and not because of accidental death or suicide, within the first 12 months of the policy being taken out
  • Cooling off period: funeral protection policies generally comes with a 30 to 45 day of cooling off period, which means you can change or cancel your cover if your needs have changed.

Who is eligible to take out funeral protection?

  1. Between 17 to 80 years old
  2. An Australian Citizen
  3. A New Zealand Citizen
  4. An Australian Permanent Resident
  5. An Australian Temporary Working Visa Holder
  6. Must be Residing in Australia
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Funeral Insurance Policy Features

Funeral insurance can be tailored to provide increased flexibility to policyholders and their beneficiaries. The table below lists a range of features to consider when comparing plans.

Range of levels of cover

Policyholders can generally insure themselves anywhere between $5,000 and $30,000.

A family member can be the beneficiary of the policy

If you name a family member as the beneficiary of your policy, they receive the benefit payout when you die, and they can easily use that money to plan and pay for your funeral.

Standalone or included funeral benefits policy

You can either take out a standalone funeral protection insurance policy, or you can have a life insurance policy that has concessions to pay for your funeral from the benefit payout.

Continuation of cover

Policyholders generally stop paying premiums at 90 years of age, after which the cover continues for life.

Medical underwriting is not needed during application

Policyholders do not have to undergo medical exams in order to receive cover, which is often the case for life and income protection insurance.

Graded benefit

With a policy offering a graded benefit the amount of coverage increases over time. The amount of the increase and the frequency of the increase differs between providers.

Traditional policy

With a traditional whole life policy you are covered for a death benefit for as long as you continue to pay the premiums, and when you die, your beneficiaries can use a portion of the benefit to pay for your funeral expenses.

24 Hours Worldwide Coverage

Most policies provide cover 24 hours a day, seven days a week, worldwide.

Guaranteed Renewable

If the policyholder maintains policy payments and other obligations, policies are rarely be cancelled by providers.

Accidental Death within first 12 months

Some funeral insurance policies only provide cover in the first 12 months for deaths that are the result of an accident.

Refund for death within first 12 months

If insured dies within the first 12 months and death is not due to accident or self-inflicted injury, most refund all premiums payments to date.

Cooling off period

Most policies come with a 45-day cooling off period so you can be sure you have found the right cover.

The table below shows a standard structure for funeral insurance benefit payments

Cause of Death First 12 Months After 12 Months
Accident Benefit Amount Paid Three Times Benefit Amount Paid
Suicide No Benefit Paid Benefit Amount Paid
Self Inflicted No Benefit Paid Benefit Amount Paid
Sickness Refund of Premiums Paid Benefit Amount Paid

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Funeral Insurance Policy Additional Features

When you take out a funeral protection policy you can choose a single or a family option. The family option allows you to cover both you and your partner. A separate policy can be taken out for any dependant children under 21 years of age.

It's important to consider:

  • Policy discounts. Some insurers offer a discount on premiums if you take out a certain amount of cover. For example, a funeral protection insurance policy with a benefit amount of more than $20,000 may receive a 10% discount on premiums. You may also be able to negotiate a discount on your policy if you have multiple policies with the same insurer.
  • Premium waiver. Many policies cease premiums payments when the oldest person on the policy reaches 90, after which the policyholder remains cover at no additional cost.
  • Automatic increases. To ensure that your benefit retains its value, a funeral protection plan can include an automatic increase every year, usually of 5% to keep up with inflation.
  • Coverage period. Your cover starts from the date your application is accepted by the insurer, which may be different to the date you pay your first premium. Funeral insurance ends when a death claim is made, a dependent child reaches the age of 21 or the policy is cancelled or lapses.
  • Benefit pay out. The benefit is paid to your family or beneficiaries in a lump sum amount after an insured event.

Dale Maroney on Why it is Important to Prepare for Your Funeral Early

Be Aware of Terms and Conditions on Your Funeral Insurance Policy

  • It is important to remember that you may only be covered for an accidental death in the first 12 months of taking out your policy, but after 12 months your family will receive a benefit for death of any cause.
  • Most providers do not provide payment if death is due to a self-inflicted cause within the first 12 months of the policy.
  • Benefit may not be paid if death is caused by suicide within the first period of the policy being taken out.

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How Much Funeral Insurance can I be Covered For?

The amount of cover you can take out is not unlimited and most insurers will offer from $5,000 up to around $30,000 in $1,000 increments. That benefit amount can be increased if you die from an accident as with some insurers tripling the benefit received after 12 months.

It is important to consider what costs would need to be covered if you were to pass away to help you determine an adequate cover amount.

Common costs associated with a funeral service

  • A casket or urn
  • Cremation or embalming
  • A burial vault or grave line.
  • A gravestone
  • Flowers
  • Hearse and other limousines for close family
  • Costs to dig and fill the gravesite
  • The purchase of the burial plot

Funeral protection insurance is an additional expense in your budget, but it has been designed to be affordable. The premiums payable are based on the amount of cover you choose, your age or the age of the oldest insured person on the policy, and your gender so you can tailor a package that suits you now and will protect you in the future.

How Much does Funeral Insurance Cost?

The following factors will determine your premium repayments.

  • The age of the life insured
  • Whether or not the insured smokes
  • The benefit applied for, including benefit indexation
  • The gender of the insured
  • Any policy discounts that are applicable to the policy
  • Any additional features

Is Funeral Insurance Tax Deductible in Australia?

  • Generally premiums paid are not tax deductible
  • Any additional benefits are generally not assessed for income tax purposes
  • The premium rates provided are generally inclusive of all premium charges

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Funeral Insurance Terms and Conditions

Funeral protection insurance is a financial product you that is there to protect your family.

Some of the conditions you should to check for in your funeral protection insurance include:

  • Changes to premiums: Premiums are generally stepped and increase over the life of the policy.
  • Paying the premiums: Your premium amount is deducted from your account on a date of your choice. You can make your premium payments fortnightly, monthly or yearly. The payment can be made directly from your bank account or your credit card account.
  • Changes to the policy: During any time within your policy term you can apply in writing to decrease or increase the insurance amount, or to change from a single plan to a family plan or vice versa.
  • Cancelling the policy: If you miss a premium payment and that payment remains unpaid for more than 60 days your policy can be cancelled.
  • Replacement policy: If you are applying for a new funeral protection policy to replace existing coverage you need to make sure you compare the benefits carefully before you switch. Make sure you are moving to a policy with adequate and comparable cover. Also make sure there are no waiting periods with the change, and whether waiting periods already served with an existing insurer are recognised by the new insurer.
  • Nominating beneficiaries: When a claim is paid, it is paid to the policyholder. However, if you die the payment is made to your estate. You can nominate beneficiaries to receive the funeral benefit payment amount upon your death. When nominating beneficiaries there are some conditions to remember:
    • there cannot be more than five nominees
    • nominees must be a natural person not a company or trust
    • you can change the nominees at any time by applying in writing and the benefit payment will be made to the most recent nominee form provided
    • if the nominee is a minor when the benefit needs to be paid, the amount will be paid to the nominee's legal guardian
    • if a nominee has died before you, the benefit pay out will go to your legal representative for distribution.
  • Continuation of a partner's policy: If you die and are survived by your partner who is on the same policy, your partner will continue to receive cover under a new policy with the same benefit amount.
  • To claim a benefit: When you die your legal representative will have to notify your insurer and provide a completed form from your doctor or specialist – this is to be completed at the expense of your estate. The claim should be made as soon as possible after death and proof of death must be supported by at least one medical practitioner, plus any laboratory reports or tests. If a claim is made more than 120 days after death, the benefit may not be paid.
  • Tax implications: In most cases the premiums for your funeral protection insurance won't be tax deductible. However, any benefit paid from the policy won't be taxed either.

Most policies will not allow the policyholder to claim back the money paid in premium payments if they decide to cancel the policy. If the policy is cancelled, they will not receive any payment and cover will cease to continue.

When does My Funeral Cover End?

  • When the funeral benefit is paid
  • In the event that there is no payment of premium within a specified period of its due date
  • If written notification cancelling the policy has been received by the provider
  • Upon your death where the benefit is not payable

How to Make a Funeral Insurance Claim

Checklist for paperwork required for funeral cover claim

  • Death certificate
  • Original policy document and policy schedule from when cover was first taken out
  • Completed claim form.

Claims should be made as soon as possible after the insured has passed away. Insurance companies may refuse to pay the sum insured if there is insufficient evidence of the insured's death.

Follow These Steps to Ensure Success in Your Funeral Insurance Claim

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What are the Requirements to Apply for Funeral Insurance in Australia?

You can apply for funeral insurance if you are an Australian resident between 17 and 80 years of age. Most policies generally offer guaranteed acceptance, so you will be automatically accepted when you apply for cover.

Can I Apply for Joint Funeral Insurance?

In most cases, policyholders can take out coverage to include their spouse/partner. They can also cover their relatives.

How to Apply for Funeral Protection

If you are an Australian resident and you are between 17 and 80 years old your acceptance into a policy is guaranteed with most insurers. You can often even apply for cover over the phone or Internet without answering any medical questions, and you will be covered right away. You can also apply for cover for your financially dependent children, who must be under 21 years old, and be Australian residents.

You may have thought about your funeral or you may not have, but even if you've only thought about your death to the extent of wanting your friends and family to celebrate your life, rather than mourn your death, make sure that the celebration can be organised as easily as possible and that remembering you isn't a financial burden for your loved ones.

What Alternatives are there to Funeral Insurance?

Funeral Insurance is certainly not the right option for everyone. It is critical for anyone considering this option to have a clear understanding of what they will pay in premiums over the course of their policy and to ensure that this does not exceed what the overall cost of their funeral. Some alternatives to funeral insurance include:

  • Setting up a savings account: It might be a better option to set up a dedicated high-interest savings account to hold funds for your funeral. A low fee, high interest account could be a secure option to lock away a pre-determined amount and let it accumulate interest.
  • Superannuation Funds: You may have enough funds accumulated in your superannuation to cover the costs of your funeral.

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Funeral Protection Insurance: Frequently Asked Questions

If you still need a bit more information to help you understand and compare funeral protection, your questions are answered here:

Why do you need funeral protection?

  • Having funeral cover means that you don't have to burden your family with the costs and the worry of your funeral when you die.

How does funeral protection work?

  • As an applicant you can choose the cover amount you want, and a lump sum benefit amount is paid to the beneficiaries of the policy when you die, to cover your final expenses.

How much funeral protection is enough?

  • The average cost of a funeral can be between $3,000 and $15,000 and your benefit will need to pay for the funeral director, casket, transport, burial plot, flowers and any other extras.

When is funeral protection active?

  • The coverage from your policy is active from the time your application is approved by the insurer. In most cases you will only be covered for accidental death in the first 12 months.

Is funeral protection valid outside of Australia?

  • In most cases funeral insurance will still pay a benefit amount to pay for your funeral expenses if you die while travelling overseas. However, keep in mind that this generally won't include expenses for transporting your body home.

How are funeral protection premiums calculated?

  • The insurer will assess your risk factors before approving your insurance and calculating your premiums, and the biggest factor affecting your premiums is one you can't change – your age – so it can be beneficial to take out cover sooner rather than later.

What do you get back if you cancel funeral protection?

  • Most insurers will have a cooling off period during which you can cancel your policy without incurring any costs. If you cancel your policy after the cooling off period you will only be refunded the unused portion of your premiums, for example if you pay your premiums yearly and cancel in the middle of the year.

Can you insure your whole family?

  • Most insurers will allow you to take out a joint policy for your partner. A separate policy can be taken out for dependent children under the age of 21.

Are there any exclusions with funeral protection?

  • Exclusions will vary between policies and insurers, and a common exclusion is that you will only be covered for accidental death in the first 12 months, and covered for any cause of death after 12 months.

Is the funeral protection benefit amount taxed?

  • No, the benefit amount paid out upon your death is generally tax free, although you may benefit from seeking tax advice on your personal circumstances from your own adviser.

How can the level of funeral protection be increased?

  • You can apply to increase your coverage amount at any time, as long as the benefit amount you choose is within the range offered by the insurer.

Funerals are held as a way to celebrate life and remember a loved one who has passed away, while providing a point of closure for family and friends. Therefore, when you die, you want to make sure you are remembered the way you were, and your family and friends are allowed to grieve you, instead of being grieved by the stress and financial pressure of having to pay for your funeral. No matter how big or small your funeral is, there are always final expenses to be paid, and funeral protection insurance allows you to give your loved ones one more helping hand.

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16 Responses to Funeral Insurance Finder™

  1. Default Gravatar
    gina | December 24, 2014

    i am trying to get funeral insurance for my 92 year old dad . con you help me

    • Staff
      Richard | December 24, 2014

      Hi Gina,

      Thanks for your question. Unfortunately, Life Insurance Finder is a comparison site and not an insurance provider, we provide factual information about products and insurances. Due to your fathers advanced years, it’s unlikely you’ll be able to find funeral insurance for him. Most insurance have a maximum entry age of between 75 and 80 years old. In fact many policies waive the premiums after the insured reaches a predetermined age, normally around 90.

      I hope this was helpful,

  2. Default Gravatar
    Helen | December 4, 2014

    Just wondering……we have been paying funeral insurance with Apia for a couple of years or your…can we change to another company and get immediate benefits if needed…..same as we do with other insurance??

    • Staff
      Richard | December 4, 2014

      Hi Helen,

      Thanks for your question. You should be able to cancel your policy at any time. As for getting immediate benefits with a new provider, this will depend on the provider and whether it has any waiting periods or exclusions.

      I hope this was helpful,

  3. Default Gravatar
    Ricardo | November 10, 2014

    How much the insure for two peoples cost at the rate of $8000 each

    • Staff
      Richard | November 11, 2014

      Hi Ricardo,

      Thanks for your question. The cost of funeral insurance depends on the insurer and the person being insured. If you would like to speak with a broker, please fill out the quote form at the top of the page. A broker will look at your details and contact you with you with a free personalised quote.

      I hope this was helpful,

  4. Default Gravatar
    gwen | November 1, 2014

    how much per week will i pay

    • Staff
      Richard | November 3, 2014

      Hi Gwen,

      Thanks for your question. Unfortunately, how much you’ll have to pay for funeral insurance varies depending on the insurer. If you would like to receive a free quote for funeral insurance, please fill out the quote form at the top of the page and a broker will be in contact with you.

      I hope this was helpful,

  5. Default Gravatar
    chiang | September 19, 2014

    i just want to know the premium i must pay

    • Staff
      Richard | September 22, 2014

      Hi Chiang,

      Thank you for your question. The amount you pay for your premium will vary depending on the insurer.

      I hope this was helpful,

  6. Default Gravatar
    don | September 1, 2014

    hi, i am a bit confused about how the system works for funeral insurance. as an example if you are only paying the benefits for 2 years are you completely covered

    • Staff
      Richard | September 1, 2014

      Hi Don,

      Thanks for your question. Just like with any other insurance, funeral insurance covers you for only as long as you continue to pay your premiums. So, if you only pay your premiums for two years, you are only covered for those two years.

      I hope this was helpful,

    • Default Gravatar
      | September 1, 2014

      hi, Richard

      I should have explained my question a little bit better. if you are only paying your premiums for 1 or 2 years as an example, on the event of death does the person involved with this coverage get full payment or part of for the funeral costs.

    • Staff
      Richard | September 1, 2014

      Hi Don,

      My apologies. As long as the policy had been held for a minimum of 12 months (in most cases), there would be a benefit payable. The amount payable varies depending upon the circumstances of the death and the level of cover that the deceased had in place.

      I hope this was helpful,

  7. Default Gravatar
    wendy | May 11, 2013

    As well as covering myself can i include my two daughters, with this policy?

    • Staff
      William | May 13, 2013

      Hi Wendy,

      Thank you for your enquiry. Generally, two seperate funeral insurance policies will need to be applied for.

      It is also worth noting that most life insurance policies will offer what is know as an “Advancement Benefit” that will provide an advancement of the sum-insured to cover the immediate costs after one has passed away i.e. funeral expenses, cost of seeing a financial planner.

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