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Funeral Insurance

Provides your family with a lump sum payment to help pay for funeral and associated expenses with our award winning insurance.

Get a quote online

Apia Funeral Insurance Highly Commended
2 Years Running

Apia Funeral Insurance - Readers Digest - highly commended 2 years running

Smart ways to save money and manage your budget

Receive a 10% cash back amount every 3 years you continue to hold your policy

Receive a 20% discount on your premiums when you purchase a joint policy

Pay monthly or fortnightly at no extra cost

Select a premium sum insured that best suits your budget

Apia Funeral Insurance provides your family with a lump sum payment to help pay for funeral and associated expenses. Funerals can cost from $4,000 to around $14,000 - an amount that could be difficult to find, especially if you haven't planned for it.  It only takes a few minutes to buy online and once approved your cover starts immediately.

Features & Benefits:

  • Automatic acceptance
    Anyone aged 45 -75 (inclusive), who is an Australian or New Zealand citizen or permanent resident and residing in Australia at the time of application and have received the PDS in Australia, is able to buy Apia Funeral Insurance.
  • No medicals or complicated forms
    Buy online in under 5 minutes - there are no health questions. All we need to know is your age, gender and how much cover you'd like. It's that simple.
  • Your choice of cover
    Select a cover amount between $5000 to $15,000. There are no restrictions on how this money can be spent
  • Level premiums
    With Apia Funeral Insurance your premium is generally fixed so that it doesn't increase as a result of your age. We call this a Level Premium. Ongoing premiums will not increase each year as a direct result of your age, but will increase due to any increase in your sum insured. The level premium can also increase if the premium is increased for all policyholders.
  • Quick & easy claims process
    To make a claim just call 1800 608 549 - access to payment is usually within 2 business days from an approved claim.
  • No premiums from age 85
    Unless cover stops earlier, your policy has no expiry date and there are no premiums once you turn 85.
  • Single and joint policies available
    Purchase a joint policy and you may be eligible to receive a 20% discount on premiums for the life of the policy.
  • Choose to receive an early payout if you're terminally ill
    If diagnosed with a terminal illness after continuously holding your policy for 12 months, you may be eligible to receive an early payment, to spend how you choose for example to help arrange your financial affairs.

What's not covered in the first year?

Your Funeral benefit will not be paid out if, in the first year, you die as a result of:

  • An accident that occurred prior to when your policy began
  • A sickness
  • Intentional self inflicted act

We will however, refund all premiums paid. After the first 12 months, we will pay your benefit if your death is as a result of any cause. More information is detailed in our product disclosure statement.

Policy Documents

For full details of what is and isn't covered please refer to the relevant Product Disclosure Statement (PDS)

^†^Source: Last accessed 4 January 2016. These figures are a guide, It’s up to you to consider what type of funeral you’d like.

Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Life insurance advice is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). Apia Funeral Insurance is issued by Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron).  Asteron is authorised to use the APIA brand. TAL Direct and Asteron are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 (TAL) group of companies. If you decide to purchase or vary a financial product, PV will receive fees and other benefits, which will be a dollar amount or a percentage of the premium you pay. You can ask us for more details. Life insurance provided by TAL is distributed by Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 which is part of the Suncorp Group. The different entities of TAL and the Suncorp Group are not responsible for, or liable in respect of, products and services provided by the other. Consider the Product Disclosure Statement available at before deciding whether to buy. Customers aged 45 – 75 years eligible for cover. Cash back subject to terms. Funeral insurance is not a savings plan. If you cancel your policy any premiums you have paid for your policy will not be refunded. It is possible that the total premium you pay under the policy is greater than the sum insured. 30 days "cooling off" to check insurance meets your needs. Policy must be in force for 30 days and premium paid in full.