Final
Expenses
Insurance

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Final<br />Expenses<br />Insurance

Cover funeral costs with Final Expenses Insurance

Have you ever stopped to think about what would happen if you were to pass away unexpectedly? How might your loved ones pay for your funeral, or take care of your unpaid bills, without needing to liquidate your assets?

Real Final Expenses Insurance is value for money funeral insurance that makes life a little easier for your loved ones at a very distressing time. So they can say goodbye with financial assistance to pay for your funeral and other unexpected final costs.

For a free quote and to apply, call 1300 377 325 and speak to one of our friendly Customer Service Specialists, or click here to request a quick Final Expenses Insurance quote.

The benefits of Final Expenses Insurance

  • Help make life easier for your loved ones after you’re gone, with Final Expenses Insurance from just $3.02 a week, based on a Single Plan providing a $5,000 benefit (or $15,000 for Accidental Death) for a person aged 50
  • Choose your level of cover based on your budget and needs
  • Accidental Death is covered from day one with a triple benefit payable – up to $45,000
  • Receive up to $15,000 benefit if death is from any other cause after the first 12 months
  • Apply over the phone in minutes, with no forms to fill, or online, and with no medical tests
  • Acceptance is guaranteed for Australian residents aged 18 to 79

Some things you should know

  • Cover is for Accidental Death only in the first 12 months, then death by any cause thereafter.
  • The Benefit Amount automatically increases by 5% annually up to age 80 with a corresponding increase in premium annually but you can choose to decline this increase.
  • In addition, if you have selected the age-based premium option, your premium rate will increase on each Policy Anniversary if the oldest Life Insured on the Policy is aged between 44 and 80. While the oldest Life Insured on the Policy is younger than 44, or older than 79, your premium rate won’t increase due to age.
  • If you hold your Policy for an extended period of time you may pay more in premiums than the Benefit Amount, depending on the circumstances.
  • If your Policy is cancelled and cover ends, no Benefit Amount is payable, and there are no premium refunds after the cooling off period.
From $3.02 per week*
Quick cover guide

Apply over the phone in minutes

No forms to fill out, and no intrusive medical examinations or blood tests required.
Yes

Guaranteed cover

If you’re an Australian resident under 79, you’ll be automatically accepted for insurance.
Yes

Choice of benefit

Choose your level of cover, with benefits from $3,000 to $15,000.
Yes

Triple benefit for Accidental Death

If your death is accidental, we’ll pay three times the amount of your Final Expenses Insurance benefit, up to $45,000.
Yes

Single or family options available

Cover yourself, or your whole family, including dependent children up to age 21.
Yes

Please also see the ‘Some things you should know’ section

It has some important information you should read.
Yes

Apply today

Call us on 1300 377 325 or request a quick quote.

Cover levels

Choose your level of cover from $3,000 to $15,000

Choose a benefit to suit your needs and budget.

Single or Family cover
Single plan Cover for yourself only
Family plan Cover for yourself and your spouse, partner and financially dependent children aged under 21 years

Call us on 1300 377 325 or request a quick quote.

Premium options

To help keep premiums affordable, Final Expenses Insurance offers a choice of premium options.

Age-based premium option – If you choose this option, your premium rate will increase on each Policy Anniversary if the oldest Life Insured on the Policy is aged between 44 and 80. While the oldest Life Insured on the Policy is younger than 44, or older than 79, your premium rate won’t increase due to age.

Fixed premium rate option – If you choose this option, your premium rate will be fixed at the rate you are paying at the commencement of your Policy.

Whichever premium option you choose, to help your level of insurance keep pace with the cost of living, your Benefit Amount will automatically increase by 5% each Policy Anniversary. You can decline these automatic increases if you wish. Your premium will increase with any Benefit Amount increase that you request or accept.

After the Commencement Date you are unable to change the premium option you have selected, without cancelling and restarting your cover.


Real value for money

Real Insurance is all about value for money and easy to understand insurance. Here are some of the ways we help to make funeral insurance better value for you:

  • As a thank you for choosing Real Insurance, we offer you The Real Reward™ — we’ll pay back 10% of the premiums you’ve paid when you’ve held your Policy for more than 12 months
  • The freedom to choose the level of cover that suits your needs and budget
  • The option to pay fortnightly or by the month without paying more
  • The option to choose either age-based or fixed premium rate payments

Apply today

Call us on 1300 377 325 or request a quick quote.

Other benefits

We've designed our Final Expenses Insurance to give you maximum peace of mind. We've made it as easy and affordable as possible and added these extra benefits for you and your family:

No medical or blood tests

So you can apply over the phone in minutes, without intrusive tests.
Yes

Monthly or fortnightly payment options

Choose how you'd like to pay, at no extra cost.
Yes

30 day satisfaction guarantee

Cancel your cover at any time within the first 30 days and we’ll give you your money back.
Yes

Apply today

Call us on 1300 377 325 or request a quick quote.

Optional insurance

Accidental Serious Injury Insurance

You can extend your Final Expenses Insurance Policy by adding Accidental Serious Injury Insurance.

Find out more about Accidental Serious Injury Insurance.

This is a summary of the Final Expenses Insurance Policy and this information must be read in conjunction with our Product Disclosure Statement. For full details, read our compare insurance page or our Product Disclosure Statement.

*Based on an age-based premium Single Plan providing a $5,000 benefit (or $15,000 benefit for Accidental Death) for a person aged 50.


 

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