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Suncorp Funeral Insurance Review

Suncorp funeral insurance lets you choose between $3,000 and $15,000 to cover funeral costs, and there are some loyalty discounts available if you stick with your policy.

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Suncorp funeral insurance: Our verdict

  • In addition to a couple of loyalty discounts, Suncorp offers you the chance for an early payout following your 85th birthday.
  • Suncorp doesn't set a maximum expiry age limit. So, your policy will remain active so long as you keep up with your premium. This isn't the case among all the competition.
  • You can't add terminal illness cover onto your policy. You can do so with Apia, Medibank, Real Funeral and Seniors Funeral Insurance.

Get a quote from Suncorp Funeral insurance

1 - 1 of 1
Name Product Maximum cover Maximum entry age Average claims acceptance rate Average claim time Sum Insured Expiry age
Suncorp Funeral Insurance
0.6 months
$3,298 million
No expiry age as long as premiums are paid
Get a 5% discount when you add another adult to the same policy + get $100 eGift card after your first 4 months of cover. T&Cs apply. Ends June 30, 2024.

Get 12 months funeral insurance for the price of 11

When you take out a new Suncorp Funeral policy. T&Cs apply.

Get $100 eGift card

Expires 30 Jun 2024
Take out a new Suncorp Funeral Insurance policy and get $100 eGift card after your first 4 months of cover. T&Cs apply.

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Key points of Suncorp funeral insurance

  • Cover options: Choose cover from $3,000 to $15,000, which can be increased to $25,000 once your policy is in place.
  • Bonus cover: Receive 10% bonus cover after 5 years. Bonus cover is provided at no extra cost.
  • Early payout: Receive 120% of your benefit after your 85th birthday if you wish.
  • Worldwide coverage: Suncorp will also make sure you are protected no matter where you are, with your funeral insurance remaining valid 24 hours a day seven days a week, anywhere in the world.
  • Cooling-off period: If you want to take some time to consider whether the Suncorp funeral plan is right for your family, you have a 30 days day cooling off period. If you change your mind within this time you can cancel the policy and receive a full refund of any premiums you've paid.
  • Family discount. Suncorp offers a 5% discount on each person you choose to cover under your policy.

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

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Applying for Suncorp funeral insurance cover

To be eligible to apply for a Suncorp funeral insurance policy you must:

  • Be between 45 and 80 years of age.
  • Be able to pay your ongoing premiums over time.
  • Be an Australian or New Zealand citizen or permanent resident and residing in Australia when you apply for cover.

You can apply for up to $15,000 cover and your policy is guaranteed renewable for the rest of your life in most circumstances.

Suncorp funeral insurance pros and cons

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


  • It's good if you want your funeral expenses paid for when you pass away.
  • It's a well-known brand.
  • It comes with an early payout option.


  • It's not generally suitable for Australian residents under 45.
  • You need to be an Australian resident to apply.
  • It doesn't come with a terminal illness policy.

How do I make a Suncorp funeral insurance claim?

You can make a Suncorp funeral insurance claim by calling 13 11 55, Monday-Friday, 8:00am-6:00pm (AEST). You'll need to have the policy number when you get in touch.

Why compare life insurance with Finder?

  • You pay the same price as buying directly from the life insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We've done 100+ hours of policy research to help you understand what you're comparing.

What are some of the key exclusions of Suncorp funeral insurance?

Your Suncorp Funeral Insurance policy will not pay a lump sum Funeral Benefit if you die during the first 12 months months after your policy commencement date as a result of:

  • An accident that occurred prior to your policy commencement date
  • A sickness
  • An intentional self-inflicted act

No early payment benefit is offered during the first 12 months following the commencement date of your policy.

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Written by

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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