Apia Funeral Insurance
Voted By Australians Highly Commended Trusted Brand 2014 Readers Digest

FUNERAL insurance

Apia funeral insurance gives you and your family more.

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Funeral insurance

You’re more relaxed knowing there are plans in place for your family.

Funeral insurance is designed to help protect your loved ones from the potential burden of having to cover your funeral costs. By taking out the new Apia Funeral Insurance, you can enjoy extra benefits, including increased flexibility in cover, choice of payment options and greater value, while feeling relaxed knowing your family will have fast access to cash. Start enjoying peace of mind today.

  • Choice of cover between $5,000 and $15,000 for level premiums, or up to $30,000 for stepped premiums
  • Arranging cover is easy and only takes minutes
  • No medical tests or complicated forms to worry about
Why choose Apia?

The NEW Apia Funeral Insurance now gives you more benefits:

  • Our Value Promise: With Apia Funeral Insurance, you don’t have to worry about paying more in premiums than you get back in return. Our Value Promise means that at claim time, your loved ones won’t receive less than what you’ve paid in premiums.
  • Our Early Payment Benefit: We offer an Early Payment Benefit that allows us to pay you the sum insured early in some circumstances.
  • Our choice of payment options: When you choose Apia Funeral Insurance, you can select stepped or level premiums. If you choose stepped premiums, your premiums will be calculated according to your age each year. This means you will pay a lower premium to start with, and your premiums will generally increase as you get older. If you choose level premiums, your premiums will start out higher but do not increase each year as you get older.  

Our product features

  • A choice between $5,000 and $30,000 to cover funeral costs or any final expenses
  • Automatic acceptance if you’re aged between 45 and 75 years
  • You’re covered 24 hours of the day, 365 days of the year and anywhere in the world
  • Payment usually made within 24 hours of an approved claim
  • 10% cash back on premiums paid every three years
  • 20% family discount if you and your partner take out cover
  • 30 day cooling off period
  • You will not pay any premiums after the age of 85. Your cover will continue at no cost to you

Apia Funeral Insurance $50 gift card

Take out Apia Funeral Insurance 
and receive a $50 gift card

*Gift card terms and conditions apply. Policy must be in-force for 30 days and premium paid.



For more information on what Apia Funeral Insurance has to offer and the full terms and conditions, read over the Apia Product Disclosure Statement and Policy Document.


Need more information?

You'll find it in our Product Disclosure Statements below.

  Combined Product Disclosure Statement and Policy Document

Frequently asked questions 
Apia Funeral Insurance Claims Philosophy  

At Apia we know that claim time is our moment of truth. It's when the cover that you placed with us really kicks in. We see it as delivering on a promise that we made to you - a promise to protect you and your family financially.

When you do make a claim, chances are it's at a very difficult time for you and your family. We promise to make our claims process as easy as possible for you so you can concentrate on being with your loved ones.

When you make a claim:

  • We will assign you a case manager to explain the process in a simple and clear manner.
  • We recognise that your circumstances are unique and we will treat you as an individual to support you through the process.
  • We assess and pay claims that meet policy terms as quickly as possible.
  • We will keep you updated on the progress of your claim with regular transparent communication.

Working with you

  • We seek to understand and meet your needs to provide a caring, responsive, fair and honest service.
  • We are open to new ideas and continuous improvement and appreciate your feedback.
  • The Health Benefits of Work are widely recognised so if you require assistance to return to work after an injury or illness we will assist you with this in full consultation with your treating practitioners.
  • We strive to make a significant contribution in the wider community and to make a positive difference to the lives of those whom we can assist.

Our Claims Team

  • We are real people who want to help you with your claim and we do care about your experience with us.
  • We believe our people make the difference at claim time – friendly, helpful and professional.

Reviewing our Decisions

There are times when a policy may not support the payment of a claim. Our promise to you is that updates will be provided right up until we make our decision. We do have a robust claims review process which ensures all claims decisions can be independently reviewed.


Important information

The information in this communication is current at September 2015 and may be subject to change from time to time without notice. Funeral Insurance is not a savings product and premiums can increase with age. Apia Funeral Insurance is issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530, AFSL 229 880 (SLSL) under the Apia brand and is distributed by Suncorp Financial Services Pty Ltd ABN 50 010 844 621, AFSL 229 885 (SFS). Any advice in this information is general advice only and has been prepared without taking into account any person's objectives, financial situation or needs. You should consider the Combined Product Disclosure Statement and Policy Document (PDS) for Apia Funeral Insurance before making any decisions about whether to acquire this product. Gift Voucher Terms & Conditions. Australian Pensioners Insurance Agency Pty Ltd is an authorised representative of SLSL. SLSL and Apia are subsidiaries of Suncorp Group Limited ABN 66 145 290 124 (Suncorp Group). The obligations of SLSL and Apia are not guaranteed by each other, or any other company in the Suncorp Group. Every now and then we and any related companies that use the Apia brand might let you know about news, special offers, products and services that you might be interested in. We will engage in marketing unless you tell us otherwise. You can contact us on 13 50 50 or click here to update your marketing preferences at any time.