Real Funeral Insurance

Real Funeral Insurance Review

Receive up to $15,000 in cover with Real funeral insurance and access a host of flexible features to help you build a plan for your needs.

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Real funeral insurance: Our verdict

Our Verdict:

  • Real Funeral Cover offers added flexibility with an early payout option.
  • A maximum cover limit of $15,000 should meet the needs of most Aussies and is on par with four other leading providers you can get quotes with on our site.
  • Moneysmart figures show that Hannover (who underwrite Real Funeral's policies) had a policy cancellation rate of 7.8%, which is slightly above the industry average of 6.7%.

Get 10% of your first year's premium back after 12 months

Receive 10% of premiums you’ve paid in the first 12 months with The Real Reward Cover.

Receive a quote for Real Funeral Cover

Name Product Maximum Cover Maximum Entry Age Minimum Sum Insured Premium wont increase with your age Expiry Age
Real Funeral Cover
100th birthday
Receive 10% of premiums you’ve paid in the first 12 months with The Real Reward program.

Compare up to 4 providers

A quick review of Real Funeral Cover

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Funeral insurance

Key points of Real funeral insurance

  • Funeral insurance benefit. This is a lump sum amount your nominated beneficiaries will receive when you die. You can apply for between $3,000 and $15,000.
  • Accidental death benefit. If you die as a direct result of an accident, you can get a payout two times the funeral benefit amount you've selected. A Bonus Cover can also apply if you're over 85.
  • Accidental serious injury benefit. You are automatically covered for a range of serious accidental injuries at no additional cost.
  • Bonus cover. This is an additional benefit that applies from age 85. Real insurance will automatically add 25% to your funeral insurance benefit amount.
  • Early cash out option. You can end your funeral insurance at any time before your 85th birthday and get 75% of your funeral benefit amount
  • Terminal illness benefit. 100% of your benefit is paid to you if you become terminally ill.

Other features and benefits.

Some other reasons that Real Funeral Insurance might be right for you.

  • Quick cash payment. It usually takes 1 business day for your family to receive the payment once Real has got your claim.
  • You can get 10% of premiums back after 12 months with The Real Reward™.

Note: Be sure to check the Product Disclosure Statement (PDS) for terms and conditions.

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Applying for Real funeral insurance cover

This cover might be suitable if:

  • You are after an underwriter with claims performance that meets the industry standard
  • You're looking for quick and easy cover with no medical assessment.
  • You have the financial capacity to pay premiums (subject to change over time) during the cover period.

Don't get this cover if:

  • Non-Australian residents and if you are not between 18 to 79 years of age.
  • You want to stop paying for premiums once the amount you've paid reaches your funeral insurance benefit amount.
Information is subject to change. Always consult the Product Disclosure Statement (PDS).

Real funeral insurance pros and cons

Still wondering if Real is right for you? Here are the main pros and cons summarised:


  • No medical assessment (great if you are in good health).
  • Premiums are structured as level premiums, meaning they will generally not increase over time (unless you increase your cover or the underwriter, Hannover, changes the premium rates for all policyholders).


  • Not available to non-Australian residents.

How do I make a Real funeral insurance claim?

You can make a Real funeral insurance claim in one of the following ways:

  • Phone. Call 1300 766 085 to make a claim (available Monday to Friday, between 8:00am and 8:00pm AEST)
  • Email. Send them an email at
  • Write. You can write to them on: Claims Services, Real Life Insurance, PO Box 6728, Baulkham Hills NSW 2153

What won't Real Funeral Insurance cover?

Under the Real Funeral Cover policy

Your claim will not be paid if it is made during the first 12 months of the policy for any cause of death other than accidental death. In addition, no Accidental Serious Injury Insurance Benefit will be paid if you suffer an accidental serious injury as a result of:

  • An intentional self-inflicted bodily injury
  • Engaging in illegal activity
  • Suicide or attempted suicide
  • The consumption of drugs (unless taken as prescribed by a medical practitioner)
  • The consumption of alcohol, including driving whilst over the legal blood-alcohol limit
  • Engaging in any professional sport or motor sports
  • War
  • Taking part in a riot or civil commotion
  • Travelling on an aircraft (except as a passenger on a properly licensed aircraft)

Some conditions to be aware of

Under the Real Guaranteed Real Funeral Cover policy

  • Cover in the first 12 months is only for accidental deaths and serious injuries.
  • Accidental Serious Injury expires on the policy anniversary after your 75th birthday.
  • If you choose the Early Cash Out option you will no longer be eligible to claim. The payout may also be less than the total premiums you have paid for so far.
  • There's no refund of premiums after the cooling off period ends.

For a full list of conditions, make sure you review the PDS (Product Disclosure Statement).

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8 Responses

    Default Gravatar
    StephenDecember 9, 2017

    I have just received my $ 75.00 Eftpos card. Can I use this $ 75.00 on anything?

      Default Gravatar
      LiezlDecember 10, 2017

      Hi Stephen,

      Thanks for reaching out to finder.

      Your bonus eftpos gift card once activated can be used for purchasing goods and services where ever eftpos prepaid cards are accepted for electronic transactions. I’ve sent to your email the card’s activation instruction and terms of use.

      Please feel free to message us again if you have any questions.


    Default Gravatar
    CherylJune 15, 2017

    if i want to change my beneficiary how do i do that do you need it in writing

      Avatarfinder Customer Care
      MayJune 15, 2017Staff

      Hi Cheryl,

      Thanks for reaching out.

      Just to confirm, you’d like to change your beneficiary in your funeral insurance with Real Insurance? If so, best that you get in touch with real Insurance directly as they would require you to provide you with the requisite forms for changing your beneficiaries. You can click on the green “Get quote” button above to view the phone number of Real Insurance on their main page.


    Default Gravatar
    MargaretMay 28, 2017

    What happens to the funeral insurance if you move overseas?

      Default Gravatar
      jonathan.chan@findercrew.comMay 30, 2017

      Hi Margaret!

      Yes, most funeral policies cover you anywhere in the world. However transportation of remains to Australia may not be covered.

      You can use our list of funeral insurance to compare various brands.

      While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

      Hope this answers your question.


    Default Gravatar
    JohnFebruary 17, 2017

    I have similar cover with another company. $15k cover. Premium of $22.77 pfn. Can you beat that premium?

      Avatarfinder Customer Care
      ZubairFebruary 20, 2017Staff

      Hi John,

      Thank you for your question.

      I’m afraid I can’t give you a specific answer since we can’t give you a quote. As we are not an insurer, we can only offer general advice.

      What you can do is head to our funeral insurance home page. You should then find insurance brands that offer funeral insurance conveniently listed on our table. Use our table to compare your options based on various details and features. Once you’re done comparing, select the “Get Quote” button to learn more.

      While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.


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