Funeral Insurance

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COVER THAT IMPROVES WITH AGE

As the longest standing funeral insurance provider in Australia we know that life shouldn’t stop improving because you’re a bit older.‡ Our Funeral Insurance provides a bonus 10% more cover after 5 years at no extra cost, to better cover what’s needed when the time comes.~


What is Funeral Insurance?

Funeral Insurance provides a lump sum payment to your loved ones (nominated beneficiary/ies) when you pass away. This money can be used by your loved ones to help pay for your funeral, settle any outstanding debts you may have or even help cover the cost for a family member to travel to your funeral.

Why Insuranceline Funeral Insurance

Insuranceline is committed to offering flexible and affordable Funeral Insurance to help your loved ones receive the financial assistance they may need to help cover your final expenses, so they’re not out of pocket after you’re gone. With Insuranceline's Funeral Insurance, you pay a regular premium for your funeral insurance policy. When you die your beneficiary gets a lump sum, usually paid within 24 hours of receiving a valid claim.

Life Insurance benefits logo Benefits at a Glance


  • 10% Bonus Cover after 5 years to reward your loyalty at no extra cost.~
  • Value Promise - Our Value Promise means that at the time of a claim for the Funeral Insurance Benefit, we’ll pay the Funeral Insurance Cover Amount, plus any Bonus Cover, or 100% of the premiums paid toward your Funeral Insurance cover – whichever is greater. 

    If you are looking for a lower cost option, you may choose a 70% Value Promise so that at the time of a claim for the Funeral Insurance Benefit, we’ll pay the greater of the Funeral Insurance Cover Amount, plus any Bonus Cover, or 70% of the premiums paid toward your Funeral Insurance cover.+

  • Early Payout Option on the policy anniversary - After you turn 85 you can choose to cash in your policy and receive 120% of the average Funeral Insurance Cover Amount, not including Bonus Cover.#
  • Premiums don’t go up each year just because you get older.*
  • Flexible cover with your choice of payout, up to $15,000.
  • Fast payouts – usually within 24 hours of lodging a completed claim so your family is not out of pocket.
  • Easy - Australian residents age 25 to 80 can get a Funeral Insurance quote online or over the phone in minutes.
  • The sooner you set it up, the lower your premiums.
  • Cover with no medical or health questions if you’re aged 25 to 80 and an Australian citizen, Australian permanent resident or New Zealand citizen residing in Australia.
  • Get a 5% discount when you add another adult under the same funeral insurance policy.**
  • Straightforward claims process - When the time comes, we make the process as straightforward 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 Illness & Injury Cover logo Optional Extras


  • Accidental Death Cover – extra financial support for your family if you pass away as a result of physical injury caused by an Accident.

Life Insurance exclusions & Restrictions logo 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 for Funeral Insurance.
  • Exclusions on Accidental Death Cover - 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, injury as a result of any self-inflicted act including attempted suicide, 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.

Risk logo Risks


  • You may not select the right product and cover amount for your needs – always read the PDS, consider alternatives, and think about an appropriate cover amount. Review your cover regularly to make sure it meets your needs.
  • If you are replacing another insurance policy, you may lose valuable benefits so you should consider the terms and conditions of each insurance policy before deciding to make the change.
  • Funeral insurance is not a savings plan. If you cancel it before an insured passes away or reaches the Early Payout date, you won’t get anything back (exception applies during the cooling-off period).
  • Depending on how long you live, you might hold funeral insurance for a long time. It is important to:
    • understand that there is no cap on the premiums you may pay over the term of the policy (although you will have the benefit of the Insuranceline Value Promise); and
    • consider the long term affordability of the policy, based not only on your current income, but the income you are likely to have in the future.
  • The Early Payout Option may affect entitlements to the age pension and other government benefits, and may have income tax implications. You should consider these impacts and get advice if necessary, before exercising this option.
  • Other risks associated with holding this product can be found in the PDS.

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?

      There are a number of options when it comes to paying for your funeral. Here are a few examples:
      - Leave money for your family to pay
      - Pre-pay with a lump sum or regular installments
      - Buy funeral bonds
      - Take out Funeral Insurance

      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.

    • Can I get cover at any age?

      Cover is available for all Australians aged 25 to 80. Depending on the amount of cover you need, up to $15,000 cover is available per Life Insured. Policies can cover more than one person, as long as each person is an Australian Resident and aged between 25 and 80.

    • Will my premiums go up?

      Your premiums may change if you make changes to your policy or if the underlying premium rates are changed by us. If this happens it will impact all policy holders and we will give you at least 30 days’ notice of the change.
    • 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.

    • 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 online now or call 13 77 87 today.

  • Why Insuranceline?

    As the longest standing funeral insurance provider in Australia, we believe that peace of mind should not be a luxury, but an affordable part of everyday life.

    • As at 30 June 2019, we had 295,588 lives insured on our Funeral Insurance policies.
    • We paid out $69,630,661 in funeral insurance claims between 1 April 2018 and 30 June 2019.
    • Based on a 5 year period of claims received (1 July 2014 – 30 June 2019), 30% of Funeral Insurance claims were paid within 5 years of the policy being taken out, paying an average of over $9,142.21 per claim.
    • More than 70% of customers whose claims were paid between 1 April 2018 and 30 June 2019 claimed before they had paid the equivalent cost of a funeral in premiums toward their policy.
    • Based on the claims paid between 1 April 2018 and 30 June 2019, even after 10 years, the average claim payout was 50% more than the cost of the premiums paid toward the policy over that time.

    With Insuranceline Funeral Insurance, payouts are made directly to your loved ones (beneficiary/ies) or estate to help cover funeral costs, usually within 24 hours of receiving a valid claim.

    The Insuranceline Value Promise (available on policies started from 2 March 2020) means that at the time of a claim for the Funeral Insurance Benefit, we’ll pay the Funeral Insurance Cover Amount, plus any Bonus Cover, or 100% of the premiums paid toward your Funeral Insurance cover – whichever is greater. 

    If you are looking for a lower cost option, you may choose a 70% Value Promise so that at the time of a claim for the Funeral Insurance Benefit, we’ll pay the greater of the Funeral Insurance Cover Amount, plus any Bonus Cover, or 70% of premiums paid toward your Funeral Insurance cover. +

    When the time comes your family will have a dedicated Claims Manager who will personally oversee your claim and help your loved one(s) work through any questions.

    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 online now or call 13 77 87 today.

  • Is it right for me?

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

    As Australia’s longest standing provider of funeral insurance we believe you should be able to choose a policy that covers you and other adults in your family.

    Plus, when you cover more than one adult, each additional adult receives a 5% discount off their Funeral Insurance premium (this doesn't apply to Accidental Death Cover).

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

  • How much cover do I need?

    It’s hard to accurately plan for how much cover you’ll need. Depending on the kind of farewell you wish to provide for, the amount you can leave loved ones for your funeral can range from $1,000 up to $15,000 – the amount you choose is up to you. For peace of mind, we provide a bonus 10% more Funeral Insurance cover after 5 years~ at no extra cost to help cover extra and unforeseen costs.

    You can choose to pay your premiums fortnightly, monthly or annually. If you choose to pay annually, you’ll receive 12 months' cover for the price of 11.

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

    • Accidental Death Cover – leave your family a higher payout of up to $50,000 if you die as a result of an Accident

    Want to know more about our Funeral Insurance? Get a quick quote 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.

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