Funerals can cost anywhere from $4,000 to $15,000 depending on the type of funeral you want to have.1 The more elaborate and complicated, the more you’ll need to set aside. Read more
Award winning insurer
At Real Insurance we pride ourselves on providing the best service and value for our customers.
Other Commonly Asked Questions
What is Guaranteed Funeral Insurance Flexi Plus?
Guaranteed Funeral Insurance Flexi Plus pays a benefit to the people you choose (your beneficiaries) when you die. It’s designed to help your loved ones pay for funeral costs as well as any other bills you may leave behind – so they can say goodbye without added financial stress.
Guaranteed Funeral Insurance Flexi Plus differs to other types of funeral planning, such as a pre-paid funeral plan, as it pays a full benefit upon death (Accidental Death only for the first 12 months; any cause thereafter) regardless of how much has been paid in premiums.
I’m healthy, so why would I need this insurance?
Life is unpredictable – we never know what lies around the corner. If you pass away unexpectedly, funeral insurance such as this product helps ensure your loved ones can be assisted with the cost of your funeral and any bills you leave behind.
Isn’t cover like this expensive?
Request a quote to find out how affordable it can be for you. Cover starts at $5.88 a week, based on a Single Plan with a $5,000 benefit for a 50 year old.
Your premium will reduce by 5% every 5 years you hold your Policy, so not only will your premiums never go up, they’ll actually reduce the longer you have your Policy.
What’s more, you’ll never pay more in premiums than the total benefit we’ll pay your family when a funeral insurance claim is made.
Will my premium increase?
Your premium is guaranteed never to increase. In fact, with Guaranteed Funeral Insurance Flexi Plus your premiums will reduce by 5% after every 5 years you hold your Policy.
Can I end up paying more in premiums than my family will receive for my funeral insurance benefit?
No, not with the options available with the Real Payback Guarantee.
When your family makes a funeral insurance claim, the benefit will be your chosen cover amount or the total premiums you’ve paid for your cover – whichever is more. However, if you choose the Early Cash Payout option, you may receive less than the total premiums you’ve paid into your policy to date.
This is subject to you keeping your policy in force and without changing your level of cover. There is no premium refund after the cooling off period. If your policy is cancelled prior to age 85, no benefit is payable. If you choose the Early Cash Payout option, you will no longer be eligible to claim and you may receive less than the total premiums you have paid into your policy to date.
How do I make a claim?
You or a nominated beneficiary (which could be your next of kin or the executor of your Will) simply have to call us on 1300 307 297.
A dedicated claims agent will be assigned to your claim, and will contact you to take you through the claims process.
Complete all forms provided by your claims agent or simply download the most appropriate form below. Send the completed form(s) along with all required documentation to:
Reply Paid 6728
Baulkham Hills NSW 2153
- Accidental Serious Injury Claim Form
- Guaranteed Funeral Insurance Claim Form
- Funeral Insurance (Children’s Insurance) Claim Form
Once completed documents are received, we’ll assess the claim and pay, subject to approval, without unnecessary delay.
When can I make a claim?
You can claim from the date of the insured’s death or the date the insured child suffers from serious illness or injury (if applicable). Please refer to the Product Disclosure Statement for the conditions covered.
What documents do I need to provide?
- A fully completed claim form
- A certified copy of evidence of death – for example Death Certificate, Coroners Report, Attending Medical Practitioners Report
- A certified copy of evidence of the Deceased’s date of birth – for example a Birth Certificate, valid Passport, valid Driver’s Licence
- A certified copy of proof of the Claimant’s identity – for example a Birth Certificate, valid Passport, valid Driver’s Licence
What is a certified copy?
A certified copy is a signed photocopy of an original document. The person signing it must see the original and the photocopy. It can be signed by a Justice of the Peace, Accountant, Solicitor, Doctor, Bank Manager or Police Officer. It means you keep the original document. The certified copy must include a statement “I certify that this is a true copy of the original document”. The certifier must also include their full name, signature, date, registration number (if any) and qualification or occupation on each page of the photocopied documents. Failure to do so may result in a delay in the claim being processed.
What is a beneficiary?
A beneficiary is the person or persons who are entitled to the benefit. As the Policyowner, you have the option to nominate between one and five beneficiaries to receive a proportion of the Benefit Amount.
How to explain death and mortality to your kids
Explaining death and mortality to your kids is always going to be difficult – but it is essential that you do...
Steps to manage the estate of a loved one [Checklist]
Managing the estate of a deceased loved one can make a stressful time more difficult. Use this checklist so...
Strategies to manage your finances and save for retirement
Each stage of your life requires different financial decisions. Here are the 11 essential financial goals to...
How to determine the send-off you want
It’s a challenging thought, but a few moments thinking about the type of funeral you might want can actually...
Retirement Planning Guide
Read articles and tips on retirement topics here at the Real Funeral Spotlight for retirement.
Guide to estate planning
Estate planning is important for asset distribution, tax, and family protection. Read this article outlining...
Read what our customers are saying
Leeanne Cox - Rated 5 out of 5
Very helpful, friendly and explained everything to me. would recommend them to all my family and friends.
Shirley - Rated 5 out of 5
Everything was explained in everyday english not legal jargon annie was a real delight to talk to
Trusted Customer - Rated 5 out of 5
Yes. very helpful & explained every thing. followed up when they said they would.
Godfrey Mary Carmen Bonavia - Rated 3 out of 5
Find a better time to unload all the policy rules and regulations, limitations etc..... i was on appointments and i...
Girish Pathak - Rated 5 out of 5
It was easy over the phone that everything was organized. customer service was good.
Kenny John Peters - Rated 5 out of 5
Very polite and patient and helpful !