Funeral Insurance

The cost of funeral insurance depends on your age when you take out the policy, the benefit amount you choose and whether you take out a single or joint policy. The easiest way to find out how much your cover may cost is to request a quote.

If you need to make a claim, you or your beneficiary can contact Real Insurance to begin the claims process. We'll explain what information is needed and guide them through each step. Once a claim is approved and we've received completed documentation, benefits are usually paid within one business day.

Funeral insurance benefits are generally paid to the beneficiaries, including any family members who are nominated as beneficiaries.

Once a funeral insurance claim is approved and we've received completed documentation, benefits are usually paid within one business day.

It depends on the individual life insurance policy but keep in mind that life insurance payouts may take a little longer to process than funeral insurance normally does. With a Real Life Insurance policy – your family may get a 20% advance funeral payout, subject to approval, while we assess your claim. Learn more

Funeral insurance can provide a cash benefit to your loved ones when you pass away and to help with any other final expenses, while a funeral plan generally allows you to arrange and pay for your funeral in advance. Which option is right for you depends on your personal circumstances and preferences. Learn more

Real Funeral Insurance 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.

Real Funeral Insurance 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; and death due to any cause thereafter) regardless of how much has been paid in premiums.

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.

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 100^th birthday) at no further cost to you!

Request a quote.

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.

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. 

The Youpla Group, also known as the Aboriginal Community Benefit Fund (ACBF) sold insurance policies to First Nations people and went into liquidation in March 2022.

To help the families of fund members affected by the collapse, the Australian Government is running a support program for those affected. 

Youpla Support Program (valid from 1 July 2024) 

The Youpla Support Program commenced on 1 July 2024 and will continue until 30 June 2026. Eligible recipients will not need to apply or register, Services Australia will make contact by phone. It may take some time for Services Australia to contact everyone. If a request is urgent, please contact Services Australia or if you think Services Australia may not have your up-to-date contact details you can contact Services Australia and update this information. 

Need further assistance?

1. For more information about the Youpla Support Program, go to niaa.gov.au/Youpla or call Services Australia on 1800 136 380. 
2. If you have any questions about your Real Insurance Funeral policy and you are a Youpla customer, please contact us on  

         (02) 8886 8468.

Appling for funeral insurance is simple there are no medical or blood tests to apply. You can apply over the phone in a single phone call. Request a quote.

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@reallifecover.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@reallifecover.com.au

• Accidental Serious Injury Insurance Claim Form
• Funeral Insurance Terminal Illness Claim Form
• Funeral Insurance Claim Form

Step 4

Once completed documents are received, we’ll assess the claim and pay, subject to approval, without unnecessary delay.

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.

• 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

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.

A beneficiary is the person or persons who are entitled to the benefit. As the policy holder, you have the option to nominate between one and five beneficiaries to receive a proportion of the benefit amount.