The Funeral Plan pays a lump sum of up to $15,000 to your family if you die, so they can take care of potentially expensive funeral costs and other expenses. If you die of an accident, double your cover amount is paid, taking the total payout to up to $30,000.
We’ll be there to help look after them at a distressing time, with a rapid payout to cover immediate expenses and up-front costs, within 24 hours of receiving completed claim requirements. So your family can say goodbye as you would have wanted, without worrying about money.
Here’s our commitment to you:
We’ll help look after your family.
We’ll pay your chosen benefit to your loved ones if you die from an accident at any time after taking out your policy or from any other cause once the waiting period (also known as the accidental death period) has passed. Whatever cover amount you choose, we’ll pay double if you die as a result of an accident.
We'll give you choice.
You choose your cover amount, your accidental death cover period - either 12 or 24 months then choose from a range of flexible payment options. You can even extend your cover to your partner or parents if they’re under 80, and all financially dependent children.
We’ll protect you from the start.
You’re covered for accidental death from day one of your policy. If you die from other causes before the accidental death only cover period is up, we’ll refund the premiums you’ve paid so far. And once you turn 90, we’ll cover you for free - with no more premiums to pay!
We’ll make things easy.
If you’re an Australian resident aged 17 to 80, you can get funeral cover online or over the phone in minutes, and you’re guaranteed cover with no medicals or health questions. There’s even a 30 day money back guarantee.
We’ll speak in plain English.
We’ll explain everything clearly with no jargon whatsoever, so you’ll know exactly what’s covered and what isn’t.
We’ll be there when they need us most
If your family ever need to make a claim, we make the process as stress free as we can, with personal attention from an experienced Claims Manager. And we’ll pay the claim within 24 hours of receiving the completed claim requirements, to help your family through this difficult time.
If you want to know more about a Funeral Plan? Read the Funeral Plan Product Disclosure Statement, call 13 77 87, get a quote today or apply online.
Although we don’t like to think about it, sooner or later everyone needs a funeral. And if you don’t want your loved ones to have the stress of finding the money to pay for it - often at short notice - then funeral insurance is for you. You can choose between a plan that covers just you or a plan that also covers your partner and children under 18. And for any relative aged 80 or under that you add to your plan, we’ll give them a 10% discount on their premiums.
If you don’t have life insurance, funeral insurance may be the minimum you need to cover the funeral costs and expenses such as unpaid bills that may be left behind.
To find out more about our Funeral Plan and whether it’s right for you, call us on 13 77 87 or read the Funeral Insurance Product Disclosure Statement.
You can take out up to $15,000 in cover. How much you choose is up to you, and will depend on the amount you think your family might need. Most funerals cost thousands of dollars, even before your favourite flowers are taken into account. And if you think you’ll have loose ends that will need to be tied up, it can be worth getting cover for a little more than just the funeral.
With flexible fortnightly, monthly or annual payments from as little as $3.41 a week, funeral insurance is an easy, affordable way to help your family send you off in style.
Want to know more about a Funeral Plan? Call 13 77 87, get a quote today or apply online.
At InsuranceLine, we promise to answer all of 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 the Funeral Plan Product Disclosure Statement.
What’s covered and what’s not?
With our Funeral Plan, you’re covered for:
• Accidental Death from day one. In fact, we’ll double the payout for Accidental Death at any time while your cover is in place.
• Death from any cause once the Accidental Death cover period has ended. If you die from causes other than an accident within the waiting period, we won’t pay your benefit, but we will refund 100% of the premiums you’ve paid.
Accidental Death is where death is caused solely by violent, accidental and external, and visible means. It does not include death by natural causes or sickness.
What is the Accidental Death cover period?
With our Funeral Plan, you choose the Accidental Death cover period - either 12 or 24 months. If you die of any cause except Accidental Death in this time, we’ll refund 100% the premiums you paid.
You are covered for Accidental Death as soon as your policy starts and for any cause after the 12 or 24 month Accidental Death cover period.
Can I get cover at any age?
Funeral insurance provides valuable cover no matter what your age. That’s why if you’re an Australian resident aged 17 to 80, you’re guaranteed cover - with no medical tests required.
Your cover is for life as long as you pay your premiums until you are aged 90. After this, your cover will continue for free!
Will my premiums go up?
With our Funeral Plan, we give you a choice of premium plans. Depending on the option you choose, your premiums may increase over time.
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Stepped premiums
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With a stepped premium plan, your premium is linked directly to your age. Stepped plans can help you reduce the cost of your premiums early on, but they will increase as you get older.
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Level premiums
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If you prefer to know in advance how much your premiums will be, you can choose a level premium plan. While these premiums are higher up front, you’ll always know how much you need to pay, and your premiums will never go up.
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Remember, your premiums will go up if you add another person to your policy or increase the cover amount.
If I cancel my policy, will I get a refund?
When you take out the Funeral Plan 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 insurance to provide funeral cover - it is not a savings plan.
What happens if I can’t pay my premiums?
Let us know immediately if you can’t pay a premium so we can help you work out an alternative arrangement. Your funeral cover will cease if your premiums are more than 30 days overdue and you will lose this valuable benefit.
Remember, if you hold your Funeral Plan until the renewal date after you turn 90, we will pay your premiums for you, and continue your cover for life.
Are my premiums tax deductible?
Based on current tax laws, you can’t usually claim your Funeral Plan 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 I be dealing with during my claim?
You will be given a dedicated Claims Manager whose details will be on the accompanying cover letter that we’ll send in the event of a claim. They will personally oversee your case and help you work through the details of your claim.
You can contact your dedicated Claims Manager while you are settling your claim. They will explain anything that is not covered here or talk through any concerns you might have.
Want to know more about a Funeral Plan? Call 13 77 87, get a quote today or apply online.