Real Funeral Cover

Have you ever stopped to think about who would pay for your funeral? Funeral insurance can make life easier for your family at a difficult time by helping to cover your funeral expenses, and any outstanding debts such as credit cards, personal loans and utility expenses that could be left behind.

With Real Funeral Cover your family will receive the benefit you choose, from $3,000 up to $15,000.

When you turn 85 you can to choose to:

  • Cancel your policy and cash out 75% of your benefit amount, or
  • Keep your policy in place at no extra cost to you, and if you pass away (or celebrate your 100th birthday) you or your family will receive a Bonus Cover of 25% added to the benefit amount^

Whilst the benefit is designed to assist with the cost of your funeral and other final expenses, your family can use the money however they see fit. After all, funeral insurance is about securing peace of mind for you and your family.

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^If you choose the Early Cash Out Option, you’ll no longer be eligible to claim as this option will cancel your policy and you may receive less than you’ve paid in premiums to date.

This is a summary of the Real Funeral Cover Policy. For full details, download our Product Disclosure Statement.

Features & Benefits

  • Australian residents aged 40-79 are guaranteed acceptance
  • Choose your benefit amount, from $3,000 up to $15,000
  • Quick cash payment to your family – usually within 1 business day of receiving completed documentation
  • Apply over the phone in a single call with no medicals or blood tests
  • 100% of your benefit is paid to you if you’re diagnosed with a Terminal Illness
  • Pay fortnightly or monthly – at no extra cost
  • Keep your premiums manageable by choosing your level of cover
  • You’ll get back 10% of premiums you’ve paid after 12 months of your Policy with The Real Reward
  • Stress-free claims with your own dedicated team located in Australia

Some things you should know

  • Cover is only for Accidental Death and Accidental Serious Injury in the first 12 months of your Policy.
  • Accidental Serious Injury expires on the policy anniversary after your 75th birthday.
  • There’s no refund of premiums after the cooling off period. The total amount of premiums payable over the life of the Policy has the potential to exceed the cover amount.
  • If you choose the early Cash Out Option, you will no longer be eligible to claim as this option will cancel your Policy and you may receive less than you’ve paid in premiums to date.

Life Insurance Code of Practice

To make sure you receive the highest standard of service when taking out cover, we comply with the Life Insurance Code of Practice. Read more

15 years of award-winning insurance

At Real Insurance we pride ourselves on providing trusted service and real value to our customers, which has been recognised by 15 consecutive years of industry awards.

  • 2023 and 2022 Award Winner for Life and Funeral Insurance

  • Feefo Trusted Service Award – 2022 to 2020, and Gold Award – 2023, 2019 to 2017

  • Roy Morgan 2022 Customer Satisfaction Award – Risk & Life Insurer of the Year Winner

  • WeMoney 2023 Finalist – Best Flexibility (Life Insurance)

  • Exceptional Value Car Insurance Award – Pay As You Drive 2023, 2019, 2018 – Mozo

See how easy it is to apply for cover

Understanding Funeral Insurance

Funerals can cost anywhere from $4,000 to $15,000 depending on the type of funeral you want to have1. The more elaborate and complicated, the more you’ll need to set aside. Read more

Real Funeral Insurance covers death due to any cause once you have held the Policy for 12 months, and pays a triple benefit for Accidental Death from day 1. And you can choose the level of cover you think your family will need, from $3,000 up to $15,000. Read more

How you can use a funeral insurance benefit

The funeral insurance benefit Real Insurance pays doesn’t have to be used towards a funeral only. If a traditional burial isn’t your thing, your chosen cover amount can be used by your loved ones to pay off any debts, or use however they wish.

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Other Commonly Asked Questions

What is Real Funeral Cover?

What is Real Funeral Cover 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.

What is Real Funeral Cover 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?

Your premiums are level which means they are designed to not increase every year. Plus, when you turn 85, your cover continues (until you celebrate your 100th birthday) at no further cost to you!

Request a quote.

Will my premium increase?

Your premiums are level which means they are designed to not increase every year, but will change if you apply to change your cover, or we change the premium rates for your Policy.

Can I end up paying more in premiums than my family will receive for my funeral insurance benefit?

It is possible that you will pay more in total premiums than the value of the cover, depending on how long you hold cover for. Also, if you choose the Early Cash Out Option, you’ll no longer be eligible to claim as this option will cancel your policy and you may receive less than you’ve paid in premiums to date. 

How do I make a claim?

Step 1

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.



Step 2

A dedicated claims agent will be assigned to your claim, and will contact you to take you through the claims process.

Step 3

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:

Real Insurance
Reply Paid 6728
Baulkham Hills NSW 2153



Step 4

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.

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  1. Paying for your funeral – ASIC's MoneySmart