Funeral Insurance

Funeral Insurance

COVER YOU CAN COUNT ON

With premiums that never go up.

It’s great to leave your family protected from funeral costs. You can count on our Funeral Insurance to make it easier for you - with premiums guaranteed never to go up, as long as you don’t make changes to your cover.

Benefits at a Glance


  • Flexible cover with your choice of payout, up to $15,000.
  • Fast payouts – usually within 24 hours of lodging a completed claim.
  • Easy - If you’re an Australian resident aged 21 to 80, you can get Funeral Insurance over the phone in minutes, and you’re guaranteed acceptance with no medicals or health questions.
  • Guaranteed level premiums that will never go up, unless you make changes to your cover^. Once you reach your premium cap, your cover will continue for free.
  • Accidental Death Cover: to help loved ones cope if you pass away as a result of physical injury caused by an accident, your family will receive double your Funeral cover amount. From day one of your policy, you’re covered for accidental death until you cease paying premiums.
  • Save up to 25% over the life of your policy^.
  • The sooner you set it up, the lower your premiums will stay.
  • Free cover after you turn 90 - on the anniversary of your policy, we’ll cover you for free – with no more premiums to pay!
  • Straightforward claims process - When the time comes, we make the process as straight forward as forward as possible. When your family or beneficiary makes a claim, a Claims Manager will personally oversee this claim and help your loved ones work through any details or questions they may have.
  • 30 day money back guarantee.
  • Enjoy 12 months for the price of 11 when you choose to pay your premiums annually.

Optional Extras


  • Extra Accidental Injury Cover – protection for you and your family in case you suffer a common accidental injury that's covered by the policy.
  • Extra Accidental Death Cover – extra financial support for your family if you pass away as a result of physical injury caused by an accident.
  • Level Advantage – to ensure your total premiums over the life of your policy never exceed your cover amount, choose our Level Advantage Payment option.
  • Family discounts – receive a 15% discount for each additional adult covered by your policy (these discounts don’t apply to options such as Extra Accidental Death Cover or Extra Accidental Injury Cover).
  • Lifetime Protection Promise - If selected, as soon you've held a policy for five years, even if you stop paying your premiums or cancel your policy, your loved ones are still eligible for a partial payout.

Exclusions & Restrictions


  • When your cover starts – you’re covered for Accidental Death as soon as you take out your policy, and you’ll be covered for all causes of death 12 months from the date of your first payment to us. If you die from other causes within 12 months after taking out your policy, we’ll refund the premiums you paid so far.
  • Exclusions - Claims that result from participating in unlawful activity, acts of war, undertaking a dangerous occupation or dangerous pursuits and death by self-injury or suicide, sickness, medical or surgical treatment, the taking of intoxicating liquor or drugs other than as prescribed. Please see our Combined Product Disclosure Statement (PDS) & Financial Services Guide (FSG) for full details on what is and isn’t covered by the policy.

Want to know more about this product?

Download the Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG).

  • Common Questions

    At InsuranceLine, we'll answer all your questions in plain English, so you know exactly where you stand. 

    Here you can find answers to the most common questions we get asked about Funeral Insurance.

    For anything else, call us on 13 77 87 or read our Funeral Insurance Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG).

    • What are the different ways I can pay for my funeral?

      You have several options when it comes to paying for your funeral. You could take out Funeral Insurance; pre-pay with a lump sum or regular installments; or buy funeral bonds. Read more about different ways to pay for your funeral.

    • What’s covered with InsuranceLine Funeral Insurance and what’s not?

      With our Funeral Insurance, you’re covered for:

      • Accidental death from the minute your application is accepted. In fact, we’ll double the payout for accidental death while you’re still paying Funeral Insurance premiums.
      • Death from any cause after the first 12 months of your policy. If you die from a cause other than an accident within the first 12 months, we won’t pay a benefit, but we’ll refund 100% of the premiums you’ve paid.

      Please see our Combined Product Disclosure Statement (PDS) & Financial Services Guide (FSG) for full details on what is and isn’t covered.

    • What is Accidental Death?

      Accidental Death means a death as a result of physical injury caused solely and directly by violent, external and visible means, while Cover is in force. It does not include death arising from:

      • Actual or attempted intentional self-injury or suicide
      • Sickness, medical or surgical treatment
      • The taking of intoxicating liquor or drugs other than those prescribed for the life insured and taken in the correct dosage 
    • What are my payment options?

      We’ve made our Funeral Insurance flexible so you can choose a payment option that fits your budget and lifestyle. You can pay fortnightly, monthly or annually – and you have a choice of two payment options – Level or Level Advantage. When you choose to pay your premiums annually, you’ll enjoy 12 months for the price of 11.

      Compare and choose the right payment option for you:

       

      Level

      Level Advantage

      At what age can I take out cover?

      21-80

      21-70

      How do my premiums work? Your premiums will be displayed on your Policy Schedule

      Level premiums guaranteed for life – unless you make changes to your policy+.

      Level premiums guaranteed for life – unless you make changes to your policy+.

      How long will I be paying premiums for my Funeral Insurance?

      Until you reach 90 or the amount that you pay in premiums equals twice your cover amount, provided you don’t make changes to your policy+.                    

      Until the amount that you pay in premiums equals your cover amount, provided you don’t make changes to your policy+.                     

      How do I know which payment option works best for me?

      You’re aged 80 or under.

      You’d like to pay less in premiums knowing that your premiums will be capped at twice the amount of your chosen cover amount.

      You’re aged 70 or under.

      You can afford to pay a little more in premiums ongoing so that you won’t pay more in premiums overall than your chosen cover amount.

       

    • Can I get cover at any age?

      If you’re an Australian resident aged 21 to 80, you’re guaranteed acceptance for our Funeral Insurance with no medical tests when you choose our Level payment option. After you turn 90, on the anniversary of your policy, we’ll cover you for free – with no more premiums to pay!
    • Will my premiums go up?

      With our Funeral Insurance, your premiums are guaranteed to remain level for life. That means that the premium you pay when you first take out your cover will stay the same throughout the life of your policy, unless you make changes to your cover – for example, if you add Extra benefits or more people to your policy, or increase your cover amount.
    • If I cancel my policy, will I get a refund?

      When you take out Funeral Insurance with InsuranceLine, we give you a 30 day money back guarantee - so if you cancel your policy in the first 30 days, we’ll give you a complete refund. After that, there are no refunds. Your policy simply gives you funeral insurance cover - it is not a savings plan.

    • What happens if I can’t pay my premiums?

      We understand that today's financial demands on your family can be tough, so if you're having trouble paying a premium, please contact us immediately to talk it over. We may be able to work out an alternative that better  suits your budget that still allows you to leave your loved ones protected.

      Your cover is only valid if your premiums are paid when due, so if you stop paying your premiums, your cover will end.

      However, if you have selected our Lifetime Protection option, once you’ve held a Funeral Insurance policy for 5 years and paid your premiums when due, your family will still be eligible for a partial payout – even if you cancel your cover, or stop paying your premiums.

    • Are my premiums tax deductible?

      Based on current tax laws, you can’t usually claim your Funeral Insurance premiums as a tax deduction. However, individual circumstances vary, and you should always consult an accountant or financial advisor for matters relating to tax.
    • Who will my family be dealing with during a claim?

      When the time comes, we make the process as straightforward as forward as possible. When your family or beneficiary make a claim, a Claims Manager will personally oversee this claim and help your loved ones work through any details or questions, and help them access the financial assistance your cover provides as soon as possible.

      Want to know more about our Funeral Insurance? Get a quick quote and apply online now or call 13 77 87 today.

  • How does it work?

    Our Funeral Insurance provides your family with a lump-sum payment when you pass away. They can use this money to pay for your funeral and any other immediate expenses. Depending on the level of cover you choose, your family could get a payout of up to $15,000 — which is usually paid within 24 hours of providing the necessary claim information.

    To get to know different ways to plan and pay for your funeral, take a look at our Funeral Insurance Guide.

    Want to know more about our Funeral Insurance? Get a quick quote and apply online now or call 13 77 87 today.

  • Is it for me?

    Giving your loved ones a hand with the cost of your funeral is a great way to keep on caring for the people you’re closest to.

    You can choose a policy that covers just you, or a policy that covers you and other adults in your family. You can also choose to add children under 21 to your policy. Everyone on your policy will have the same Funeral Insurance cover amount.

    Plus, when you cover more than one adult, each adult receives a 15% discount off their Funeral Insurance premium (this doesn't apply to Extra Accidental Death Cover and Extra Accidental Injury Cover).

    Want to know more about our Funeral Insurance? Get a quick quote and apply online now or call 13 77 87 today.

  • How much can I get?

    Even a basic funeral costs around $6000* and that’s before you start thinking about a wake. So depending on the kind of farewell you wish to provide for, the amount you wish to leave loved ones to cover your funeral can range from $2,000 up to $15,000 – the amount you choose is up to you.

    You can also choose to pay your premiums fortnightly, monthly or annually – you’ll enjoy 1-month free cover for every year you choose to pay your premiums annually.

    You can also choose to add extra protection to your policy:

    • Extra Accidental Death Cover – leave your family a higher payout of up to $50,000 in the event of your accidental death
    • Extra Accidental Injury Cover – protect yourself in case of a serious or permanent injury, with fixed payouts of up to $50,000,
      depending on the type of injury

    Want to know more about our Funeral Insurance? Get a quick quote and apply online now or call 13 77 87 today.


Would you like to receive detailed information about Funeral Insurance?

Request an information package today and have it delivered to your home.

Not sure what you need?

Compare our Funeral Plans.

Learn more

Australia

Australia's #1 Choice in Direct Life Insurance

Learn more

What is Funeral Insurance?

Learn more

Funeral Insurance Explained

Learn more