| Store | Discount | |
|---|---|---|
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Get 10% of your first year's premium back after 12 months Receive 10% of premiums you’ve paid in the first 12 months with The Real Reward Cover. Last verified |
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Get a $100 eGift card Take out an Apia Funeral Insurance policy and get a $100 eGift card after 4 months of cover. Offer ends 03/03/2025. T&Cs apply. Last verified |
Deal ends |
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Get 12 months funeral insurance for the price of 11 When you take out a new Apia Funeral policy. T&Cs apply. Last verified |
You pay the same price as buying directly from the life insurer.
We're not owned by an insurer (unlike other comparison sites).
We've done 100+ hours of policy research to help you understand what you're comparing.
No. You should never use price as your sole selection criteria when you’re comparing policies for the following reasons:
Just because a policy is cheap doesn’t mean it contains all the benefits you need such as continuation of cover, global coverage, guaranteed renewability and refund of premiums if you die within the first year.
A cheap premium won't always stay cheap. Cheaper premiums are usually stepped, which means it will rise as you age and what seems like a bargain now could turn out to be unaffordable in a few years time. Remember if you don’t keep up your payments or cancel your policy, all the money you have paid towards your funeral insurance policy is forfeited.
Rather than just price, it's a good idea to consider long-term affordability. Look for a policy that offers fixed premium payments so you can factor them into your budget over the long term.
Fixed premiums are commonly known as levelled premiums, where your premiums remain fixed for the life of the policy. This is opposed to a stepped premium plan, where premiums increase with age.
| Time holding the policy | Stepped premium | Level premium |
|---|---|---|
| 0 - 3 years | $320 | $400 |
| 3 - 6 years | $360 | $400 |
| 6 - 9 years | $410 | $400 |
| 9 - 12 years | $500 | $400 |
These figures are made for illustrative purposes only. The actual cost of your premium will depend on your policy and other factors including your age and sex.
"The average funeral in Australia starts at about $12,000. So make sure you keep track of how much you're spending over the course of the policy - you don't want to take it out too early and end up overpaying over the lifetime of the policy! "
If you don’t want funeral insurance, there are other options available. These include:
Cremations can be a much more affordable option than burials.
If you're over 60 and looking for funeral insurance, make sure you understand what makes a good policy and how to compare cover.
Get tips to find the best funeral cover and apply with the help of a consultant today.
Planning for future funeral expenses? Find out what plans are available in Australia.
With Funeral Plan from Guardian Insurance, protect your loved ones against the financial burden that they may have to endure when you pass away. The lump sum benefit can help pay your funeral expenses and any other expenses that may arise.
Find out if you need life insurance or funeral insurance and what the major differences are.
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