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Our operating hours vary across our insurance products, please check which apply to you.
Our operating hours vary across our insurance products, please check which apply to you.
Funeral insurance could give you and your family peace of mind for the future. You’ll pay monthly, fortnightly or annual premiums, and if you were to pass away, your loved ones could receive a lump sum payment to help cover the costs of your funeral or to settle your affairs.
Funeral insurance is one way to plan ahead and could take the financial strain off your family when they need it most. You might consider a funeral insurance policy if you’re an Australian resident aged 45 – 80, want to help your children financially when you pass away or are in retirement.
It’s simple and you could make your policy work for you. Choose to pay premiums for a fixed cover amount of $3,000 to $15,000. So, you can keep enjoying life’s possibilities now, and know your loved ones could get a lump sum for funeral cars and grave, clergy or chapel fees. Or to settle affairs, like outstanding debts.
It’s important to make your money go further. So, even though the amount you pay will depend on things like your cover level, payout amount, age, health and lifestyle. Once you’ve locked in your policy, your premium is calculated based on your age at the time you take our cover, and won’t go up as you get older. Get a funeral insurance quote online to see how you can tailor a policy to suit your budget.
Or call 13 50 50
Mon-Fri 8am-7pm, Sat 9am-4pm AEDT
Apia Funeral Insurance is available to any customers who permanently reside in Australia and are:
Or call 13 50 50
Mon-Fri 8am-7pm, Sat 9am-4pm AEDT
Apia Funeral Insurance is tailored to suit Australians over 45.
Apia Funeral Insurance gives you the flexibility to create a policy that suits your budget and needs.
Enjoy added value and savings, like 5% off when you add a family member to your policy or 10% bonus cover after 5 years.
Funeral insurance can provide a lump sum payment to your family to help pay for funeral costs and other associated expenses.
Funerals can cost between $4,000 and $15,000 according to the Moneysmart.gov website1. When it comes to paying for funeral director fees and other expenses, we understand this can put a strain on many people’s finances. Apia Funeral Insurance gives you and your family the confidence of knowing that, in the event of your death, your family will have help to cover the costs of your funeral.
1Moneysmart.gov.au: paying for your funeral. Source accessed on 17/04/2020
Funeral insurance involves paying a premium (under Apia Funeral Insurance, this can be paid fortnightly, monthly or annually) to receive a certain payout at the time of the death of the life insured. Funeral Insurance payouts can be used to pay funeral expenses, but can also be used for any other purpose of the beneficiary's choosing. A pre-paid funeral plan involves speaking with a funeral director so you can plan and pay for your funeral in advance and is not insurance.
The amount of cover that’s right for you will depend on you, your family’s circumstances, and the type of funeral you or your loved ones would like to have.
Receiving a COVID-19 vaccination approved for use by the Therapeutic Goods Administration (TGA) in Australia will not affect the cover under your existing insurance policy. Apia Funeral Insurance policies do not include exclusions or limitations related to COVID-19 including vaccine related side-effects. If you were to experience sickness or injury after receiving the COVID-19 vaccination, a claim can still be lodged for a benefit under your policy and your claim will be assessed and is subject to the terms and conditions of your policy. This includes doctors, nurses, health professionals, police and people working in quarantine hotels and services.
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.
Accident
Accidental Death
Accidental Death Cover is payable if you die as a result of an accident, or within 6 months of the injury leading to your death, on proof satisfactory to us. Accidental Death Cover is payable in addition to your Funeral Benefit.
