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Funeral Insurance

Don’t leave your family with the worry of your funeral costs

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Guaranteed Funeral Insurance Flexi Plus

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 Insurance your family will receive the benefit you choose, from $3,000 up to $15,000. Plus, your premiums will reduce by 5% every 5 years you hold your policy, providing even more value for you and your family!

Real Payback Guarantee

With the Real Payback Guarantee^ you have greater flexibility because:

  • When your family makes a funeral claim, the benefit will be your chosen cover amount or the total premiums you have paid for your cover – whichever is more
  • Or once you turn 85, you can cancel your cover to receive an Early Cash Payout of 150% of your funeral insurance benefit

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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^ 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.

This is a summary of the Guaranteed Funeral Insurance Flexi Plus Policy. For full details, download our Product Disclosure Statement.

Features & Benefits

  • Guaranteed cover for Australian residents aged 18-79
  • Choose your benefit amount, from $3,000 up to $15,000
  • Your premiums reduce by 5% every 5 years you hold your Policy
  • Apply over the phone in a single call with no medicals or blood tests
  • You can keep your cover for life
  • Pay fortnightly or monthly – at no extra cost
  • Keep your premiums manageable by choosing your level of cover
  • You can add Children’s Insurance to your policy for even greater protection
  • 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 for Accidental Death only in the first 12 months, then death by any cause thereafter.
  • If you change your cover your premiums will be affected.

Subscriber of the 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

 

With Real Funeral Insurance, you can protect your whole family by choosing to add Children’s Insurance option to your Policy. This means, you’ll receive a $10,000 payment if your child suffers a defined serious illness or injury or in the event of death.

Award Winning Insurer

At Real Insurance we pride ourselves on providing the best service and value for our customers

  • Gold Trusted Service Award logo from Feefo
    Gold Trusted Service Award 2019, 2018, 2017
    – Feefo
  • Quality Service Award from Reader’s Digest
    Gold Quality Service Award 2019
    – Reader’s Digest
  • Exceptional Value Car Insurance Award from Mozo
    Exceptional Value Car Insurance Award 2018
    – Mozo
  • Customer Satisfaction Award from Roy Morgan
    Customer Satisfaction Award 2017, 2015, 2013, 2012
    – Roy Morgan
 

See how easy is it 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 have.1 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

Applying for funeral insurance doesn’t have to be complicated. That’s why Real Insurance has made the process simple and easy to understand. 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.

Read full transcript

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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?

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.

Or

Email: claims@greenstone.com.au

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

Or

Email: claims@greenstone.com.au

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.

Ready to get covered?

Call us Call 1300 665 287

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  1. Paying for your funeral – ASIC's MoneySmart