Funeral Insurance – a medical free insurance policy

The death of a family member or loved one can be an extremely difficult time in your life and can leave you physically and emotionally drained. While an insurer cannot help in those instances, Funeral Cover can protect you from being financially drained as well.

A funeral is an expensive exercise and often needs to be arranged in a short period of time. By taking out cover, you can have the necessary funds available in a short period of time.

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number-1What does it Cover?

The policy provides a lump sum benefit to help pay for the cost of a funeral or other related expenses upon your death. The policies we compare generally provide worldwide cover 24 hours a day, 7 days a week.

number-2How much can my family receive?

A funeral insurance lump sum benefit can be anywhere from $5,000 to $30,000, depending on your insurer, you individual requirements and your level of affordability. Depending on your insurer, you can generally increase your level of cover in $1,000 increments.

Level of CoverPremiums

number-3Discounts available

Select insurers offer the first 3 months premium free, allowing you to pay nothing for the first three months and giving you greater affordability.

You may also be able to receive a discount on your premiums if two or more people at the same residential address sign up for a policy

number-4Who receives the benefit?

Your nominated beneficiaries will receive the benefit. Your beneficiaries can be a family member, friend or a combination of both. If the cost of your funeral is being paid for by a number of people, you can generally nominate up to four beneficiaries to receive your benefit. You can also choose the percentage of your benefit each beneficiary or policy owner will receive.

number-5Knowing more about funeral insurance

Funeral vs Life Insurance

Compare Quotes

Cost of a Funeral

number-6Applying for a Policy

Applying for policy is simple, quick and can be done over the phone or by completing an application form. You are generally not required to go through a medical examination or provide your medical history to take out cover. It is also generally guaranteed for all Australians aged 17 – 80.

Your Name

Date of Birth


Smoking Status

Level of Cover Required

Nominated Beneficiaries

Payment Information

number-7Cooling Off Period

Funeral Cover generally come with a cooling off period, which is the period in which you can cancel your policy and any premiums paid will be fully refunded. The cooling off period will differ between insurers but may be between 30 – 45 days.

number-8Entry and Expiry Ages

The entry age cover will differ between providers. The two policies we provide offer entry ages of 17 – 80 and 45 – 70 respectively.

The policies we offer do not have expiry ages, meaning your policy will be available until you pass away as long as you keep paying your premiums until you pass away or your premiums become capped.


It is always important to consult the relevant PDS when it comes to exclusions as they are always policy specific.

A couple of exclusions which may exist include:

Exclusions on death not caused by an accident in the first 12 or 24 months of your policy depending on your provider.

Death caused by self-inflicted injury or suicide in first 12 or 24 months

Please note that any increases to your benefit outside of indexation increases may be subject to the same exclusions. For example, if you increase your level of cover from $20,000 to $25,000, the additional $5,000 will only be payable for suicide after the end of the exclusion period.

Please consult the PDS for more information or speak to your financial adviser.

number-10When will my cover end?

While there is no expiry age on the policies we offer, cover will generally end if the following occurs:

  • Payment of your benefit
  • Cancellation of the policy
  • Non-payment of premiums within the required time frame
  • Death of the insured where the benefit is not payable

number-11Claiming a benefit

To claim a benefit you will generally be required to produce:

  • A death certificate of the insured deceased person (not always)
  • Provide the original policy document
  • A fully completed claim form

Other things to consider

  • Your premiums will generally be set for the first year but may increase each year as you get older
  • Benefit indexation may be applied to help your policy keep up with the cost of living. The increase will generally be the greater of 5% and the increase in CPI. You can opt out of this increase if you wish as it does affect your premiums.
  • Your insurer will send you renewal information each year detailing the new premium payable for your funeral cover
  • Policy cancellations will generally not include a refund of any premiums you have paid
  • In certain circumstances, the amount you pay in premiums may be more than the total benefit payable

For more information on the above, please consult the PDS.

Published: June 28, 2012

Ask an Expert?


  • Michael Felton |

    With Zurich Ezicover Funeral Advantage can I be the policy owner if my mum is the life insured?

    • Russell SPECIALIST
      Russell |

      Hi Michael,

      As Zurich Ezicover Funeral Advantage is a simplified product the life insured always needs to be the policy owner. Although you can have the power of attorney listed if being in control of the policy on behalf of your mum is a concern for you.

      Thank you

  • My name is :Wassila Zakzouk |

    My mum isn’t an Australian citizen, she is a visitor. she’s coming to Australia next week. Can I take out death insurance for her because she’s going to stay for one year.

    • Russell SPECIALIST
      Russell |

      It will depend on the type of insurance she is considering along the Visa she is travelling on, her future intentions of residing in Australia or plans to apply for permanent residency / longer term visa. For further information please contact our office.

  • South Coast |

    Can we pay our premiums yearly but if we should die still be able to be refunded from the date of death for overpayment?

    • Brett Lenertz SPECIALIST
      Brett Lenertz |

      Thanks for your question Elaine. To answer your question – Yes, you can pay premiums yearly and in the event of the life insured passing away, the life insurance company would likely refund the premiums back on a pro-rata basis. Example: Your annual premium is $600 per year and three months into the year of the insurance, the life insured passes away. You would probably expect to see approximately $450 (9 months) refunded in premiums on top of the lump sum benefit in the event of an approved claim. However, keep in mind that all insurers can be different and it is also important that the claim forms are lodged with the insurer in a timely manner in these situations.

  • Sarah L. |

    Hi, im an 83 year old female and i am after funeral cover. I have been unsuccessful in finding a company that will offer cover. Are there any options available for me at this age ?

    • Brett Lenertz SPECIALIST
      Brett Lenertz |

      Hi Sarah, there is one option that we can provide to a person over the age of 80 and its called ‘Parent Cover’ from a company called Clearview. Therefore, an individual can take out a Life policy with Clearview and then insure both parents if they wish providing they are between the ages of 40-85. The minimum insured amount is $5,000 and the maximum is $15,000 and there is no expiry age. However, the individual must maintain their Life Policy for the Parent Cover to remain in place. The Parent Cover will also have the restriction in that Accidental Death is only covered in the first 12 months of the policy being in force and then after the first 12 months has elapsed any cause of death is covered being sickness or accident. If you would like to look at this policy please contact us on 1300 135 205 and one of our Life Insurance Specialists can assist you.

  • Mr. Zdenek BR |

    Does your insurance company have a product named as Funeral Insurance please? I do live in Australia and I am an Australian citizen age 70.

    • Brett Lenertz SPECIALIST
      Brett Lenertz |

      Thanks for contacting us Zdenek. We have three Funeral Insurance Providers that we have available to you. These are Zurich Ezicover Funeral Advantage, AIA MaxLife Final Expenses and another policy provided by Clearview known as Parent Cover. All products have variations and are different as I am sure you can gather from the product names. If you would like further information on these products and to obtain some quotes please contact us on 1300 135 205 and one of our Funeral Insurance Specialists can assist you. Thank You

  • Francesca |

    I would like funeral fund that would cover me for illness as well as accidental death, I don’t want or require a life insurance policy, just something to cover my funeral costs at the time of passing either by accident or illness what can you quote me thank you

    • Brett Lenertz SPECIALIST
      Brett Lenertz |

      Hi Francesca, thanks for contacting us. We have some various options available to you to be able to assist you. Could you please contact one of our Funeral Insurance Specialists on 1300 135 205 who can provide you with quotes and importantly explain the product to you as well as answering your questions. Thank You

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