Get the Finder app 🥳

Track your credit score


Australian Seniors Funeral Insurance

Receive up to $15,000 in funeral cover with Australian Seniors.


Fact checked
Australian Seniors Funeral Insurance

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.

Funeral insurance is designed to provide a benefits for costs associated with funeral, cremation or burial expenses and ensure that you are not placing an added financial burden on your family.

Australian Seniors funeral Insurance cover is provided by the Australian Seniors Insurance Agency. The company was founded in 1998 with the aim of providing insurance solutions specifically for Australian seniors.

Since its inception, Australian Seniors Insurance Agency has focused on providing a comprehensive suite of insurance products that cater for the needs of the mature Australian market, and has successfully introduced affordable insurance based services such as travel insurance and Funeral cover for seniors. does not currently have access to this insurance provider. You may wish to view the primary providers that you can receive quotes on here.
Maximum sum insured$15,000
Age of entry18-79
How do I apply?Online through Australian Seniors

This cover might be suitable if:

  • You are unable to get regular life insurance
  • You are after funeral insurance that includes additional cover for accidental deaths
  • You are under 79 years of age

Reconsider your need for cover if:

  • You already have enough savings for a funeral
  • You already have an adequate funeral plan
  • You already have life insurance in place with a funeral benefit

Information last checked on May 2019. Always consult the Product Disclosure Statement (PDS).

Australian Seniors Funeral Insurance benefits

No one wants to burden their family with funeral costs, which is why it’s a good idea to consider Australian Seniors Funeral Insurance.

  • Funeral and final expenses. Australian Seniors Funeral Insurance allows policyholders to relax knowing that their funeral expenses are covered.
  • Extra benefits. In the event of accidental death, your chosen beneficiary receives a benefit amount of up to $45,000. This amount is meant to assist with funeral arrangements and settle other bills related to your funeral and burial. Death due to natural causes is covered for up to $15,000 after 12 months of applying for the policy.
  • Injury cover. Seniors Funeral Insurance insurance also offers affordable injury cover designed for policyholders over 50 years’ of age. Australian Seniors Funeral Insurance can be tailored to fit your expenses and it offers worldwide protection from accidents that result in serious injuries such as blindness, permanent loss of your limbs and deafness.

Who can apply for Australian Seniors Insurance Funeral plan?

Australian Seniors Funeral Insurance is open to all Australian residents aged between 18 and 79 years. Policyholders can opt to insure their own lives from accidental death or death from any other causes under the Single Plan.

What types of exclusions does Australian Seniors Insurance have?

By taking up Australian Seniors Funeral Insurance, you are protecting your family and loved ones from the burden of your funeral expenses and other funeral expenses.

  • It is important to note that if your cover ends, no benefits are payable and you cannot get a refund of any premiums made after the 30-day cooling-off period.
  • For the first year of the policy, a benefit is only be paid if your death is the result of an accident. After this period, a benefit will be paid regardless of the cause of your death.
  • Accidental serious injury insurance covers you for serious injury, but no benefit will be paid for intentional self-inflicted injury, suicide attempts and injuries acquired while engaging in criminal activities or by taking drugs not prescribed by a medical practitioner.

How much does an Australian Seniors Funeral plan cost?

The premiums payable on your Australian Seniors Funeral Insurance Insurance are shown on your policy schedule. Policyholders have the option of either choosing and age-based or fixed premium structure according to their needs and budget, and they can choose to make monthly or fortnightly payments on their policy.

Generally, you are at liberty to decide the benefit amount that suits you, from $3000 to $15,000. If you die from an accident within the first year of taking up your policy, a benefit amount of three times your standard benefit amount will be paid, with a limit of $45,000. Premium payments stop when you reach the age of 90, but your cover remains for life.

For an additional premium, you can add accidental serious injury insurance to your policy and get cover for injuries such as Quadriplegia, Paraplegia, Hemiplegia, Blindness and permanent loss of use of two limbs.

Australian Seniors Insurance Agency cover period

Your Australian Seniors cover begins from when your first premium is deducted, which is called the commencement date of your policy. As long as you continue to pay your premiums, your cover is renewed for the rest of your life.

Cover ends when either when a policy is cancelled or when a benefit is paid. Cover for a financially dependent child of the policyholder ends when they attain the age of 21.

Australian Seniors Funeral Insurance policy features

Cooling-off period

Your Australian Seniors funeral insurance policy h as a 30 day money back guarantee period known as the ‘cooling off’ period. This period is for you to decide whether you are happy with the policy you have chosen. You are allowed to cancel your cover or any optional benefit before the cooling off period ends if it does not suit your needs. However, you can only cancel your cover if you have not made any claim under the policy. Your cooling off period begins on the commencement date of your policy, and any premiums paid during this period are refunded should you decide to cancel your insurance cover.

Automatic Sum Insured Increases

Your Australian Seniors funeral insurance policy and optional benefits are increased on every policy anniversary to help your benefit amount keep up with the rising cost of living. An automatic sum insured increase of 5% is applicable for both age-based and fixed rate premium options, though policyholders can decline this increase at any given time. Automatic sum increases are offered on each policy anniversary.


Your premium is the amount you pay on your Australian Seniors funeral insurance policy each month, and it is calculated at each policy anniversary. The premium applicable to your policy is subject to review and may increase over time. Any changes to your premium rate will be communicated to you in writing.

Changing your insurance

You are allowed to apply in writing at any time to increase or decrease your insurance or change from a Family Plan to a Single Plan and vice versa. You can also request to change your premium payment method or frequency on your policy anniversary.

Making an Australian Seniors Funeral Insurance claim

You or your legal representative can make a claim by calling or writing to the Australian Seniors Policy Services. Your claim request will be processed and you’ll be sent a form to complete, sign and return to the insurer. Sometimes, a form will also be sent to your treating doctor or specialist for completion.

Before a benefit is paid, the insurer will need to substantiate your claim. Tests, examinations and laboratory results, as well as supporting information from a medical practitioner must accompany any claim for Australian Seniors Funeral Insurance.

In addition, all claims should be made as soon as the event giving rise to the claim occurs. Preferably, claims should be made within 120 days of the death or accidental injury occurring.

Failure to lodge a claim in a timely fashion may result in a lower benefit or a nonpayment by the insurer.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

12 Responses

  1. Default Gravatar
    DonnaJuly 24, 2019

    is there a difference to funeral insurance and final expenses insurance

    • Default Gravatar
      NikkiJuly 24, 2019

      Hi Donna,

      Thanks for getting in touch! Yes, the difference to funeral insurance and final expenses insurance is that funeral insurance is designed to provide benefits for costs associated with a funeral, cremation or burial expenses and ensure that you are not placing an added financial burden on your family while final expenses insurance or burial insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


  2. Default Gravatar
    JamesFebruary 10, 2018

    What insurance agency uses Life Debit as their Name

    • Default Gravatar
      JoelFebruary 17, 2018

      Hi James,

      Thanks for leaving a question on finder.

      I’m afraid we do not have information about Life Debit as an insurance company. You may however, compare funeral insurance brands on this page. You can either get a quote directly from the insurer by clicking “Get Quote” or compare your options with the help of an insurance consultant by simply filling in your details on the form.


  3. Default Gravatar
    ColinDecember 8, 2016

    who are the actors on australian seniors funeral ad that the wharf scene is shot, please. is one of them fred pulpit of kingswood country fame?

    • Avatarfinder Customer Care
      RichardDecember 9, 2016Staff

      Hi Ian,

      Thanks for getting in touch. You will need to contact Australian Seniors directly about this.


  4. Default Gravatar
    ManuNovember 18, 2016

    I wish to cancel my policy as i have moved permanently to NZ and is a hassle keeping a account open there in Australia plus sending money plus $20 transfer fee so it is better to finalize the policies as of today thank you

    • Avatarfinder Customer Care
      RichardNovember 18, 2016Staff

      Hi Manu,

      Thanks for getting in touch. is a comparison service. You will need to contact Australian Seniors Funeral insurance directly either by calling 13 13 43 or by emailing

      All the best,

  5. Default Gravatar
    DeniseOctober 18, 2016

    We have a policy with you. Do the premiums continue once we have paid the total amount of cover ie., $10,000 each?

    • Avatarfinder Customer Care
      MauriceOctober 18, 2016Staff

      Hi Denise,

      Thank you for your comment.

      Unfortunately we can’t give you specific advice about your policy as you’ve to and we are not an insurer. If you would like to get in touch with Australian Seniors Insurance you can reach them on:

      13 13 43

      I hope this helps,


    • Default Gravatar
      FionaMay 11, 2017

      Is there any where i can read any info on my pop i was sent a letter today his name is gregory policy number or do i need to contact a lawyer THANK YOU

    • Avatarfinder Customer Care
      ZubairMay 11, 2017Staff

      Hi Fiona,

      Thank you for your inquiry.

      You have contacted, a comparison and information service and not actually Australian Seniors Funeral Insurance. You will need to contact them directly about this matter.


Go to site