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 Term Life Cover is a simple, fixed-term life insurance that expires after 20 years, or when you turn 85 (whichever comes first), with a guaranteed cash payout once your cover expires! You can choose a lump sum payment, up to $100,000 to leave behind for your loved ones if you were to pass away or are diagnosed with a Terminal Illness (after holding your policy for 12 months).
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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?
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.
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The service i received applying for funeral insurance was first rate. the lady i spoke to maggie was so nice and very...