Level Premiums

Premiums don’t go up each year just because you get older.*

Waiting periods

Switch to Insuranceline and we’ll waive any waiting period already served with your current insurer.†

25% Bonus Cover

Be rewarded for your loyalty after 5 years.~

Longest standing funeral insurer‡

We know that life shouldn't stop improving just because you're a bit older.

Highest Payout

After the first 12 months, your beneficiaries will always receive the highest payout upon claim, whether that's your cover amount, or the premiums you've paid toward your Funeral Insurance cover.+

Early Payout Option

Receive 150% of your average funeral cover if you cash in your policy after you turn 85.#

Find out more about this product

The PDS contains information about the product, including the terms, conditions, limits and exclusions that apply, and will assist you in making an informed decision about the product.


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© 2019 Insuranceline

Funeral Insurance is available to Australian Residents aged 21-80. Accidental Death cover only for the first 12 months of cover and any increases. See the PDS for details.

*The premiums may change if you make changes to your Policy or if the underlying premium rates are changed by us. However, you will never be singled out for a premium rate increase.

†Waiver of the Accidental Death Only waiting period applies up to the cover amount and time served on an existing funeral insurance policy. You must supply evidence of the other policy and proof that it has been canceled for the waiver to be applied.

+Highest payout is paid on receipt of a valid claim and is calculated on your Funeral Insurance cover (including any Bonus Cover), or total premiums paid toward the life insured’s Funeral Insurance benefit since cover commencement.

#After the Policy Anniversary following a Life Insured reaching age 85, the Policy Owner can cash in the policy and receive a payout of 150% of the Life Insured’s average Funeral Insurance cover amount, excluding Bonus Cover, Extra Accidental Death and Accidental Injury Cover. The Early Payout Option may affect entitlements to the age pension and other government benefits.

^Offer available to Insuranceline customers who complete an application for a Life Insurance, Income Protection or Funeral Insurance policy between 20 November 2017 and 30 June 2019 (inclusive) and are issued with a policy with a commencement date prior to 00.01AM (AEST) 1 August 2019. To be eligible policyholders must hold the policy for 2 consecutive months and pay 2 months’ premiums in full. One Gift per customer. Full terms and conditions at www.insuranceline.com.au/giftcard. Gift Card issued by Indue Ltd ABN 97 087 822 464 AFSL number 320 204. We reserve the right to change the Visa gift card issuer at any time.

~Bonus 25% more cover is calculated on the fifth anniversary from the Cover Commencement Date. Each adult life insured will have an extra 25% of the average FIC amount held during the previous five years added to their Funeral Insurance benefit. Terms and Conditions apply. Refer to the PDS for more information.

The information provided on this website is general advice only and does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold an insurance product, you must read the relevant Combined Product Disclosure Statement (PDS) and the Financial Services Guide (FSG). The PDS/FSG contains important information which will help you understand the product, including what's covered and what's not covered and to decide whether it is appropriate for you.

Promoted by Insuranceline, a trading name of TAL Direct Pty Limited (of Level 16, 363 George Street, Sydney NSW 2000) ABN 39 084 666 017 AFSL 243260. TAL Life Limited ABN 70 050 109 450 AFSL 237848 issues the life insurance benefits. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover. Pet Health Plan is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436.

The way in which Insuranceline & St Andrew’s collect, use, disclose and secure your personal information is set out in their respective Privacy Policies available at www.insuranceline.com.au and www.standrews.com.au.

‡Insuranceline is the longest standing provider of funeral insurance in Australia, based on: Strategic Insight, Actuaries & Researchers. Funeral Insurance means a policy with periodic premium payments that provides a lump sum to help pay for funeral and associated expenses when you die, and excludes pre-paid Funeral Plans and Funeral Bonds.