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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

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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 type 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 a minimum $5000 to $15,000 (maximum for Level premium) and $30,000 (maximum for Stepped premium). There are no restrictions on how this money can be spent
  • Choose to fix your price
    Like most types of life insurance, the cost of Funeral insurance typically increases each year as you age. This is what’s known as a 'Stepped' premium. With Apia Funeral Insurance, we offer you the choice to fix your premium so that it doesn’t increase as a result of your age. We call this a ‘Level’ premium.
    If you choose level premiums, 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. A level premium helps to give you security as you know how much you need to budget.
  • 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

This is just a summary, for full details of what is and isn't covered please refer to the relevant Product Disclosure Statement (PDS)

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