Final Expenses Insurance

Final Expenses Insurance


For the people you love.

Ensure your loved ones are left with great memories, and one less worry. Our easy cover can help them with everything from funeral costs to outstanding bills and loans. It’s your way of taking care of things, so your family won’t have to.

Benefits at a Glance

  • Up to $30,000 tax-free in Final Expenses cover and a double payout for accidental death – up to $60,000.
  • Easy - If you’re an Australian resident aged 50 to 75, you can take out our Final Expenses Plan online or over the phone in minutes, and you’re guaranteed cover with no medical tests.
  • Express payout of up to $4,000, generally within 24 hours of sending in your completed claim requirements.
  • Accidental Death cover for the first 12 months, then cover for any cause of death thereafter.
  • Receive a payout of your full benefit when you turn 90, so you can get the most from your later years.
  • Choice of premium type – Stepped, Five-Yearly-Stepped or Level Premiums.
  • Choice of Accidental Death Period – either 12 or 24 months. Then cover for any cause of death thereafter.
  • Free easy to use Will Kit that could save your family from unnecessary stress and legal fees.
  • Straightforward claims process - 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 as soon as your claim is accepted, we’ll make a $4,000 advance payment to help your family through this difficult time.
  • 30 day money back guarantee.
  • Enjoy 12 months for the price of 11 when you choose to pay your premiums annually.

Optional Extras

  • Family discounts – When you cover more than one adult, each adult receives a 10% discount off their Final Expenses Plan premium.

Exclusions & Restrictions

  • Age – you must be between 50 and 75 to apply.
  • Waiting period – during the first 12 or 24 months, depending on your choice, you’re covered for Accidental Death only. This period is known as the Accidental Death Period.
  • Accidental Death Period – if during the Accidental Death Period, you die from any cause other than an accident, you will not be covered. However, we will refund 100% of your premiums paid. After the Accidental Death Period, you’re covered for any cause of death and for terminal illness. 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 our Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG).

  • Common Questions

    At InsuranceLine, we'll 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 Final Expenses Insurance.

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

    • What’s covered and what’s not?

      Accidental death is a death caused solely by violent, accidental, external and visible means. It does not include death by natural causes or sickness.

      With our Final Expenses Plan, you’re covered for:

      • Your chosen benefit amount if you die from causes other than an accident (including terminal illness) after the Accidental Death cover period has ended.
      • Double your chosen benefit amount for accidental death from day one.

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

    • What is the Accidental Death cover period?

      With our Final Expenses Plan, you can choose your 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% of the premiums you paid.

      You’re covered for accidental death as soon as your policy starts.

    • What happens if I leave out information at the time of application?

      It's very important to give us all the information we request when you take out our Final Expenses Plan, and to answer all of our questions honestly and completely. If there’s a claim, we’ll need to check your medical records - and if it turns out you didn’t reveal something important, we may have to refuse the claim.

    • Can I get cover at any age?

      We’ve designed our Final Expenses Plan to take the hassle out of getting life insurance after age 50. So if you’re an Australian aged 50 to 75, you’re guaranteed cover - with no medical tests required.

      You can continue your Final Expenses Insurance until the renewal date following your 90th birthday. On that date, we’ll pay you the full amount you’re covered for, and your policy will end.

    • Will my premiums go up?

      With our Final Expenses Plan, we give you a choice of premium plans. Depending on the option you choose, your premiums may increase over time.

      Stepped premiums

      With a stepped premium plan, your premium is linked to your age. Stepped plans can help you reduce the cost of your premiums early on, but they will increase as you get older. Choose between a one-year stepped plan, which increases your premium every year, or a five-year stepped plan, with increases every five years.

      Level premiums

      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.

      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 our Final Expenses Insurance, we give you a 30 day money back guarantee - so if you cancel your Final Expenses policy in the first 30 days, we’ll give you a complete refund. After that, there are no refunds. Your policy simply gives you Final Expenses Insurance cover - it is not a savings plan.

      But remember, if you keep your policy until the renewal date after your 90th birthday, we’ll pay you the full benefit amount you’re covered for - up to $30,000. No questions asked.

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

      Let us know immediately if you can’t pay a premium so we can help you work out an alternative arrangement. Your Final Expenses cover will cease if your premiums are more than 30 days overdue and you will lose this valuable benefit.

      Remember, if you hold our Final Expenses Plan until the renewal date after you turn 90, we’ll pay you the full benefit amount, no questions asked.

    • Are my premiums tax deductible?

      Based on current tax laws, you can’t usually claim your Final Expenses 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 Final Expenses Plan? Request a quote or call 13 77 87 today

  • How does it work?

    Final Expenses Insurance pays a lump sum benefit to your family if you die, so they can take care of any expenses you leave behind, including unpaid bills and funeral costs.

    Designed especially for the over 50s, our Final Expenses Plan is an easy way to protect your family from financial worries at a distressing time. You choose your own cover amount, up to $30,000. If you die, we’ll pay an immediate benefit of $4,000 to help with urgent costs, like arranging a funeral. We’ll also pay double the amount paid if you die as a result of an accident. And when you reach age 90, you’ll receive your full payout, to help you enjoy your later years in comfort.

    Want to know more about our Final Expenses Plan? Request a quote or call 13 77 87 today.

  • Is it for me?

    When you’re over 50, it can be harder to find life insurance. Final Expenses Insurance can help take care of the costs you may leave behind and to leave a little extra for your loved ones.

    If you’re between 50 and 75 and don’t have life insurance (or would like a bit more), then our Final Expenses Plan may be for you. Since we can’t pick our time, we may not be able to cover all our expenses, including our funeral, before we go, leaving them to our loved ones to sort out. With our Final Expenses Plan, your family will get the benefit amount you choose (double if you die from an accident), with an immediate payment of $4,000. So you can relax knowing that they won’t be left out of pocket while waiting for your Estate to settle.

    Want to know more about our Final Expenses Plan? Request a quote or call 13 77 87 today.

  • How much can I get?

    You can take out up to $30,000 in cover. How much you choose is up to you, and will depend on the amount you think your family might need. Remember, whatever you choose, we’ll pay double if you die from an accident.

    With flexible fortnightly or monthly payments, our Final Expenses Plan is an easy, affordable way to make sure your family’s not caught short if you die.

    Want to know more about our Final Expenses Plan? Request a quote or call 13 77 87 today.

Would you like to receive detailed information about Final Expenses Insurance?

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

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