Insuranceline Funeral Insurance review

Receive a benefit of up to $15,000 and get peace of mind there's no maximum expiry age with Insuranceline Funeral Insurance.

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James Martin

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Cristal Dyer

Updated

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Insuranceline Funeral Insurance

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Our Verdict

There can be numerous costs involved when you pass away. From the cemetery fees, medical costs and the funeral service; you don't want to leave your family struggling to pay for these when you're gone. Instead, consider a funeral insurance policy from Insuranceline. Backed by TAL, Insuranceline has the weight of one of Australia's largest insurance companies.

Pros

  • Insuranceline's owner TAL has a policy cancellation rate of just 4.9%, which is lower than the industry average of 6.7%, according to recent Moneysmart figures.
  • Insuranceline doesn't set a maximum expiry age limit and so your policy won't end as long as you keep up with your payment plan. This isn't the case with Medibank or Real Funeral Cover.

Cons

  • You can't add a terminal illness option to your plan. Terminal illness cover pays a benefit if you're diagnosed with an illness you won't recover from.

Get a quote from Insuranceline Funeral insurance

Product AUFLI-FUN Maximum cover Maximum entry age Minimum sum insured Terminal illness cover Sum Insured Expiry age
Insuranceline Funeral Insurance
Insuranceline Funeral Insurance logo
$15,000
80
$3,000
$3,366 million
No expiry age as long as premiums are paid
Take out a new Insuranceline Funeral Insurance policy and get a $100 eGift card after 4 months of cover. T&Cs apply. Ends 31 Jan 2025.
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Insuranceline Funeral Insurance: A quick summary

Maximum sum insured$15,000
Age of entry40 to 80
How do I apply?Online with Insuranceline

Note: The following is based on the life insurer TAL Direct Pty Limited. TAL Direct Pty Limited is the actual insurer behind brands like Insuranceline Funeral insurance and a few others.

Claims dataTALIndustry Average
Claims acceptance rate99.70%%89.7%
Average claim time (months)0.6 months2.8 months

We looked at Moneysmart data for claims over 1 January 2020 to 31 December 2020. The statistics above reflect funeral insurance claims for direct policies.

Read a more detailed review on Insuranceline Funeral Insurance:

Key benefits
Optional cover
Eligibility

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Funeral insurance

Key points on funeral insurance

Insuranceline offers up to $15,000 in cover to help your family take care of these expenses and use the money how they like. Some of the highlights include a fast payout and a 5% loyalty bonus in cover. Click the dropdown below to find out more:

  • Fast funeral payout: The benefit from your Insuranceline Funeral Insurance plan will generally be paid to your beneficiaries within 24 hours of a valid claim being completed.
  • 5% loyalty bonus cover. After holding a policy for five years, adults will receive an extra 10% of the average Funeral Insurance Cover held during the previous five years. This is at no extra cost.
  • 100% Value Promise: You'll be paid the Funeral Insurance cover amount, plus any bonus cover, or 100% of the premiums paid toward your Funeral Insurance cover – whichever is greater.
  • 70%Value Promise: You'll be paid the greater of the Funeral Insurance cover amount, plus any bonus cover, or 2. 70% of the premiums paid toward your Funeral Insurance cover.
  • Choice of payment frequency: You can choose to pay your funeral insurance premiums fortnightly, monthly or annually, according to your cash flow needs.

Note: Be sure to check the Product Disclosure Statement (PDS) for terms and conditions.

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Optional add-on

Key optional add-ons of Insuranceline cover:

Insuranceline also offers you the option to add extra protection to your funeral insurance cover, with the choice of:

  • Extra accidental death cover: You can increase the benefit amount for accidental death to $50,000 if you die suddenly as the result of an accident.

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Eligibility requirements

Applying for Insuranceline funeral cover:

Some of the key eligibility requirements for this type of cover include:

  • You are aged between 40 and 80 years.
  • You can apply over the online and, depending on your circumstances, you could be eligible for guaranteed acceptance.
  • Eligible to Australian citizens, permanent residents, or New Zealand citizens residing in Australia. There are no medical tests to undergo or health questions to answer. Accidental Death Cover begins as soon as you have purchased your policy.

Always read the Product Disclosure Statement (PDS) so that you're fully aware of what you'll be covered for, along with any exclusions or restrictions.

What won't my Insuranceline Funeral Insurance policy cover?

For the first 12 months of your policy, cover is provided for accidental death only, so death by any other cause during this period will not be covered.

In addition, if you choose to add Extra Accidental Death Cover to your policy, no cover is available in the following circumstances:

  • Actual or attempted self-inflicted injury or suicide
  • Participation in illegal or criminal activity
  • Being under the influence of alcohol or any drug not prescribed by a medical practitioner
  • War, hostilities or war-like operations, whether it's declared or not, outside of Australia or New Zealand. Note: This does not include terrorism.
  • Working in a dangerous occupation, e.g. in an underground mine or as a window cleaner above 20 metres
  • Participating in dangerous activities e.g. professional sports, hang gliding, motor sports, diving to depths of more than 30 metres underwater
  • Flying in an aircraft (except as a fare paying passenger or aircrew on a licensed commercial aircraft)

Frequently asked questions

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Editor

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

James's expertise
James has written 204 Finder guides across topics including:
  • Car, home, life, health, travel and pet insurance
  • Managing the cost of living
  • Money-saving tips
Cristal Dyer's headshot
Co-written by

Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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4 Responses

    Default Gravatar
    KatMay 6, 2023

    I am looking at how I can obtain and pay for funeral insurance for a relative(brother-in-law) – I do not need cover for myself or my immediate family. I was able to get cover about 10 years ago for my mother-in-law (from another company) I would like to do the same now for brother-in-law. do you have a policy that covers this?

      AvatarFinder
      JamesMay 9, 2023Finder

      Hi Kat,

      Thanks for reaching out. Generally, it is possible to take out funeral insurance for a relative. However it’s best you speak with an insurer directly about plans and payment options.

      If you’re still looking to compare your options, we’ve selected a handful of funeral insurance providers in this guide based on comprehensive research.

      I hope this helps.

      Regards,

      James

    Default Gravatar
    davidAugust 24, 2021

    My wife just passed away. I would like to know the procedure how to make a claim.

      AvatarFinder
      JamesAugust 30, 2021Finder

      Hi David,

      I’m very sorry to hear about your wife.

      In order to lodge a claim with Insuranceline funeral insurance, you can call them on 13 77 87.

      If you want to send them an email, you can do so through their Contact Us page on their website. You’ll also find other contact details on the same page.

      You can find more about the claims process through Insuranceline’s claims page.

      I hope this helps.

      Best regards,
      James

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