The difference between funeral insurance and pre-paid plans

Funeral insurance can make life easier for your family at a difficult time. It’s designed to cover the cost of your funeral and any other expenses your loved ones may face. But when you compare funeral insurance with pre-paid funeral plans, there are more benefits you can find peace of mind with.

Get immediate help with Real Funeral Insurance

The main advantage of Real Funeral Insurance is that you’re covered for $3,000 - $15,000 immediately1, regardless of what you’ve paid towards your policy – unlike pre-paid plans where you need to pay in full up front. With the national average cost for funerals at around $8,0002, this helping hand for your family can be a welcome relief.

Did you know? The national average cost for funerals is around $8,000.2

The longer you hold your policy with Real Insurance, the cheaper your premiums will get, with premiums guaranteed to reduce by 5% every five years you hold your policy. Also, with Guaranteed Funeral Insurance Flexi Plus, you’ll get the covered amount or all the premiums you’ve paid for your cover – whichever is more3, so there is nothing to lose.

Real Insurance is an award-winning provider of Funeral Insurance. Find out more about our affordable Funeral Insurance cover or request a free quote.


  1. Cover is for accidental death only in the first 12 months. If you change your cover your premium will be affected.
  2. Australian Seniors Series - Circle of Life survey (June 2016)
  3. If your policy is cancelled, no Benefit Amount is payable and there are no premium refunds after the cooling off period. If you change your cover, your premium will be affected.

Real Insurance is an award-winning provider of funeral insurance.

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