Funeral Insurance

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.

  • Tailor your policy to suit your budget and needs1
  • Cover starts from just $2.95 a week
  • Trust your family will be supported in their time of need

What is funeral insurance and what is covered?

Funeral insurance is a type of insurance policy that helps cover the costs associated with your funeral; including a burial plot, a celebrant, or extras like flowers or catering.

In addition to covering the funeral expenses, funeral insurance benefits can also be used to cover the travel expenses of your loved ones who need to travel to attend your funeral.

With Apia, you can choose flexible cover that pays out your chosen fixed cover amount of between $3,000 and $15,000.

Why is funeral insurance important?

Funeral insurance can provide financial support for your funeral arrangements by providing lump sum payment. This can ease the financial burden on your loved ones, allowing them to focus on giving you a proper send-off without worrying about your funeral expenses. 

How much does funeral insurance cost?

The amount you pay for your premium is determined by various factors, including your age and the payment amount you select. With APIA, funeral insurance cover starts from $2.95 a week. You also have the option to pay your premium annually and get one month free, payment 11 months instead of 12.

Get a quote online

Or call 13 50 50
Mon-Fri 8am-7pm, Sat 9am-4pm AEDT

Apia Funeral Insurance at a glance

What’s included?

  • Cover for Accidental Death
    After the first 12 months of cover, any cause of death is covered.
  • Tailor your funeral insurance cover
    Apia Funeral Insurance offers between $3,000 – $15,000, which can be increased to up to $25,000 once your policy is in place. Payout is a lump sum and is generally tax free2. It could help your loved ones cover funeral costs, debts and other expenses.
  • Fast payout within 24 hours
    Enjoy funeral cover with no waiting period. Payment is usually made within 24 hours of an approved claim, so your family will have one less thing to worry about.
  • Add a family member to your funeral policy6
    Receive a 5% discount when you add another adult aged 45-80 and is an Australian resident to the same funeral insurance policy.
  • 10% Bonus Cover after 5 years3
    Bonus cover is provided at no extra cost, as thanks for your loyalty.
  • Early payout option4
    Enjoy the option of receiving the 120% of your average cover amount after your 85th birthday. Please be aware that there are income tax implications you should consider before exercising this option
  • 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)
  • Annual premium discount7
    If you choose to pay your premium annually, you’ll only pay 11 months instead of 12.

What’s not included?

  • No payout if you die during the first 12 months
    No funeral benefit is payable if you die during the first 12 months from any cause other than Accidental Death. If this occurs, we will pay a benefit amount equal to the Funeral Insurance premiums you’ve paid so far.
  • Limited payouts on Accidental Death
    No funeral benefit or optional Accidental Death Cover is payable for Accidental Death if your death is directly or indirectly a result of:
  • • Suicide or an intentional, self-inflicted act

    • Participation in any criminal or unlawful activity

    • Being under the influence of alcohol, illicit drugs or any pharmaceutical drug not taken in the correct dosage

    • War, hostilities or war-like operations

    • Undertaking a dangerous occupation

    • Participation in dangerous pursuits

    • For more information on the exclusions, read the PDS


Accidental Death Cover 

Designed to help you and your family with the unexpected costs of an accidental death, for an extra premium, this will provide a payout if you die from an accident, or within 6 months of an injury leading to your death, on proof satisfactory to us. You can choose a cover amount between $1,000 and $50,000 – which will be paid to your loved ones on top of your funeral cover benefit.

Get a quote online

Or call 13 50 50
Mon-Fri 8am-7pm, Sat 9am-4pm AEDT

Want to know more?

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

Policy Documents

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

Who can apply for Apia Funeral Insurance?   

Apia Funeral Insurance is available to any customers who permanently reside in Australia and are:

  • aged 45 to 80
  • an Australian citizen or
  • an Australian permanent resident
  • New Zealand citizen

Get a quote online

Or call 13 50 50
Mon-Fri 8am-7pm, Sat 9am-4pm AEDT

Why Apia Funeral Insurance?

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, like 5%6 off when you add a family member to your policy, and a bonus 10% of your average funeral cover after 5 years at no extra cost.

Frequently Asked Questions

Apia Life’s Commitment to the Life Insurance Code of Practice

Apia Life Insurance policies are issued by TAL, who played a key role in creating the Life Insurance Code of Practice. Apia Life is committed to delivering the best possible customer service standards. Apia Life will continue to look for ways to raise the standards of customer service now and over the years to come. Read more.  

At TAL, we are committed to supporting our customers who may be experiencing vulnerability or have unique needs. Contact us or see how we can help if you are experiencing financial hardship or domestic and family violence.

Get set with the right insurance

Call the Apia Funeral Insurance Team

For insurance advice or help with a quote, contact us for a chat.

13 50 50
Mon-Fri 8am-7pm,
Sat 9am-4pm (AEDT)

Email us

A dedicated consultants 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.

If you are eligible for more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). The discounts we offer are subject to change.