Guardian Funeral Insurance

Guardian Funeral Insurance offers peace of mind and financial protection for your loved ones, providing them with a lump sum payment of up to $15,000 when you pass away. This benefit can be used to pay for the cost of your funeral and manage any other unexpected expenses that arise, while applicants can choose between an age-based premium option and a fixed premium rate option.

Cover levels range from $3,000 to $15,000, and the benefit amount increases 5% each year until you reach the age of 80. Guardian Funeral Insurance also includes Accidental Death Insurance, which triples the benefit amount you are eligible to receive under the policy.

A trading name of Greenstone Financial Services, Guardian Insurance also offers life insurance, income protection insurance, accident insurance and pet insurance. Its Funeral Insurance policy is issued by Hannover Life Re of Australasia Ltd, a global insurer with more than 300,000 Australian customers.

Get a quote for Guardian Funeral Insurance

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Name	Product	Maximum Cover	Maximum Entry Age	Minimum Sum Insured	Premium wont increase with your age	Expiry Age
Guardian Gold Funeral Insurance		$15,000	75	$3,000		No expiry age as long as premiums are paid	Get up to $15,000 in funeral cover with Guardian Funeral Insurance.	Get quote View details	Compare	loading Fetching your data...
Guardian Platinum Funeral Insurance		$15,000	75	$3,000		No expiry age as long as premiums are paid	Get up to $15,000 in funeral cover with Guardian Funeral Insurance.	Get quote View details	Compare	loading Fetching your data...

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• Summary of Guardian Funeral Insurance
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Find out more about funeral protection cover

What does funeral cover from Guardian Insurance provide?

With Guardian Funeral Insurance, you can ensure that the cost of your funeral is already sorted, which means one less thing for your loved ones to worry about at a time that will already be difficult enough. The prompt payout from this insurance means that your family won't be left hanging around waiting for funding to sort your funeral, which can help to take a lot of pressure off them.

Key benefits of Guardian Funeral Insurance

Some of the key benefits that come with Guardian Funeral Insurance include:

• Choice of benefit amounts: With Guardian Funeral Insurance you can choose benefits of between $3,000 and $15,000. When selecting a benefit level, bear in mind that the average cost of a funeral is now $4,000 to $15,000. With this plan, if your death is accidental the benefit is tripled.
• Guaranteed acceptance: You can enjoy the peace of mind that acceptance to the Guardian Funeral Insurance is guaranteed as long as you are an Australian resident and you are within the ages of 18 and 75.
• Optional cover for children: Guardian Insurance can also provide cover for your financially dependent children under the Funeral policy for up to $10,000.
• A range of cover options: You will be able to choose from a range of cover options to suit your needs when you take out Guardian Funeral Insurance. This includes individual policies or family cover options.
• Premium waivers: From the age of 90, the premiums on your Guardian Funeral Insurance will be waived. However, you will still continue to benefit from the protection of Guardian Funeral Insurance.
• A 30 day cooling off period: If you take out Guardian Funeral Insurance but you change your mind for any reason, you can benefit from the 30 day cooling off period, which enables you to get your money back in full and cancel your policy.
• No medical: When you take out Guardian Funeral Insurance, there is no medical to worry about and no health questions that you need to answer. Your application will be accepted without any problem as long as you fit the criteria with regards to age and residency.
• Simple application: Applying for Guardian Funeral Insurance couldn't be easier. You can make your application with speed and ease over the phone or online, making it more convenient and quicker to get your funeral cover sorted.

Reasons to consider Guardian Funeral Insurance

There are many reasons why you should consider taking out Guardian Funeral Insurance. Some of the main ones include:

• Peace of mind for you and your loved ones: Having Guardian Funeral Insurance in place means that you can benefit from the peace of mind that your funeral costs will be covered when you are no longer around. Your loved ones will also have the peace of mind that in the event of your death they won't have the added strain of trying to quickly find thousands of dollars to fund funeral costs.
• Financial security: It can be difficult for your loved ones to find the money to pay for your funeral from their own pockets. When you have Guardian Funeral Insurance in place, your family will have the financial security of having your funeral costs already covered.
• Avoiding feuds: The issue of funding a funeral can cause big rifts between surviving family members, particularly when money is tight. When you have funeral cover in place, you can cut the risk of these rifts forming as your family will not have to worry about funeral costs.

The benefit from your Guardian Funeral Insurance is paid out to your beneficiaries upon your death, and is usually tax free. Depending on how much your loved ones receive from the benefit, they can use the money to cover your funeral expenses and perhaps even pay off small debts and settle other financial affairs.

What won’t the Guardian Funeral Policy Cover?

• During the first 12 months after you take out a policy, increase your level of cover or have your policy reinstated, a benefit will only be paid if your death results from an accident. Once this 12-month period ends, death by all other causes is then covered.

Who is eligible for the Guardian Funeral Policy?

In order to qualify for a Single Plan on your own life or a Family Plan that includes your spouse, partner or de facto, you (and your partner) must be:

• An Australian resident
• Aged between 18 and 75 years