Funeral Insurance

Tailor your policy to suit your needs and budget¹
Buy online or over the phone quickly
No medical tests needed to apply

Get set with the right support

Apia Funeral Insurance can be tailored to suit you and your family’s needs. It helps to give you peace of mind for the future, should the unfortunate happen, and support from a friendly team that’s ready to listen.

Why choose Apia Funeral Insurance?

You choose how much cover you need
Apia Funeral Insurance offers between $3,000 – $15,000. Payout is a lump sum and is generally tax free². There are no restrictions on how this money can be spent. It can help your loved ones cover funeral costs, debts and other expenses.
Fast payout
Payment is usually made within 24 hours of an approved claim, so your family will have one less thing to worry about.
10% bonus cover after 5 years ³
Bonus cover is provided at no extra cost, as thanks for your loyalty.
5% premium discount
Get 5% off after 10 years of holding your policy.
Early payout option⁴
Enjoy the option of receiving 120% of your benefit after your 85th birthday.
Value Promise⁵
The amount your family receives as payout will depend on the option you select when you take up a policy. Here’s a quick guide: 1) You choose 100% option = payout will be your cover amount or 100% of premiums paid (whichever is greater)
2) You choose 70% option = payout will be your cover amount or 70% of premiums paid (whichever is greater)
Add a family member to your policy⁶
Receive a 5% discount when you add another adult to the same funeral insurance policy.
Level Premiums⁷
Your premium won’t increase with age. It’ll only do so if you choose to increase your Funeral Insurance cover down the track.

Get a quote online

Or call 13 50 50
Mon-Fri, 8am-6pm AEDT

Optional extra

Accidental Death Cover

With Apia Funeral Insurance, you have the option to add Accidental Death Cover. This is paid if you die from an accident, or within six months of the injury. This benefit is paid in addition to your Funeral Benefit.

What’s not covered?

Your funeral insurance won’t be paid if you die during the first 12 months after your policy commences, due to an accident that occurred prior to the policy start date, a sickness, or as a result of an intentional self-inflicted act.

Want to know more? This is just a summary, for full details of what is and isn't covered please refer to the Apia Funeral Insurance Product Disclosure Statement (PDS).

Please note, if you cancel your policy or it lapses you’ll lose all your premiums paid up until that date. There are exceptions, such as if you’re struggling to meet your premium payments. If this is the case for you, please call us to discuss your available options.

Policy Documents

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

Apia Funeral Insurance here for you

Funeral Insurance can be tough to talk about. If you have any questions, or just want someone to chat to, feel free to contact one of Apia Funeral Insurance’s friendly team members or refer to the 'Get support' link below.

Call us

13 50 50
Monday to Friday,
8am to 5:30pm (AEDT)

Email us

A consultant will get back to you

Send an email

Get support

If you’d like guidance on how to talk about death and funeral insurance with your loved ones, have a look at the below resources.

Dying to Talk

QLD Health

¹The 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.

²This is a guide only and does not take into account changes in taxation laws or your particular circumstances. You should ask your tax adviser or the Australian Taxation Office about your own circumstances.

³Bonus 10% more cover is calculated on the fifth anniversary from the Cover Commencement Date. Each adult life insured will have an extra 10% of the average Funeral Insurance Cover amount held during the previous five years added to their Funeral Insurance benefit. Terms and Conditions apply. Refer to the Product Disclosure Statement for more information.

⁴After the Policy Anniversary following a Life Insured reaching age 85, the Policy Owner can cash in the policy and receive a payout of 120% of the Life Insured’s average Funeral Insurance cover amount, excluding Bonus Cover, the optional Accidental Death cover. The Early Payout Option may affect entitlements to the age pension and other government benefits.

⁵Highest payout is paid on receipt of a valid claim and is calculated on your Funeral Insurance cover or Funeral Insurance premiums paid.

⁶The multi-life discount doesn’t apply to the optional Accidental Death Cover.

⁷The premiums may change if you make changes to your Policy or if the underlying premium rates are changed by the insurer However, you will never be singled out for a premium rate increase.