Apia Life Insurance

Looking for affordable life insurance that will still provide the necessary cover? Compare Apia Life Insurance options.


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If you are over 50 and looking for life insurance, you will probably have found that most insurers will charge more for your coverage at that age. That is why you need to work with an insurer who specialises in senior's life insurance. Not only will the premiums be more affordable, the products will be perfectly tailored to your stage in life. Moreover, the people you speak to when you apply and manage your policy will understand your needs and be able to offer you relevant and informed help and advice.

Apia no longer offers life insurance to new clients. We have left this page for existing members of Apia Life Insurance. You can compare life insurance from some of our direct partners below.

Compare direct life insurance policies

Name Product Maximum Cover Maximum Entry Age Minimum Cover Terminal Illness Benefit
NobleOak Life Insurance
First month free for NobleOak Life Insurance. T&Cs apply.
Zurich Ezicover Life Insurance
Get the first month free and a 10% discount if you take out a second life insurance policy (discount applies to second policy). T&C’s apply.
Real Family Life Cover
Get a refund of 10% of the premiums you've paid (in the first 12 months) with The Real Reward™ .
Guardian Life Insurance
AAMI Life Insurance
Get 5% off for existing customers.
ahm Life Insurance
ahm Health members can save 10% off premiums.
Medibank Life Insurance
You could win a $1000 EFTPOS gift card when you get a Life Insurance quote by 2 Feb 2021. There’s a winner each week. Plus, Medibank health members save 10% every year. T&Cs apply.

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Benefits of Apia Australia for your insurance needs

Instead of penalising people over 50 with higher life insurance premiums, Apia recognises the experience you have gained over the years, and rewards you for it. Apia offers home insurance, car insurance, caravan insurance, boat insurance, motorhome insurance, travel insurance and a range of life insurances, which all come with the backing of one of Australia's leading insurance and financial services organisations.

Apia now forms part of Suncorp, but their business launched over 25 years ago, with the same goals to offer a specialised and affordable service to over 50s who were looking for insurance products. Apia makes sure to offer world class service to every customer and inquiry, and the company is constantly working to ensure that they provide the highest quality insurance products for Australians over 50, while maintaining personal service.

The result of this dedication to their core values sees Apia with more than 700,000 customers across Australia, and with a network of branches run by more than 450 staff, to make sure that they maintain their position in the Australian insurance market for many more milestones to come.

Looking to switch insurance policies?

Apia Insurance product offerings

As you enter your 50s, the inevitability of illness, injury and death becomes more inescapable than ever. However, rather than dwelling on what could happen to jeopardise your long awaited retirement plans, consider the life insurance options from Apia, and protect your plans and your future with the right policy, so you can get on with your life.

Apia Funeral Insurance

With Apia, you can choose a funeral plan, which offers you:

  • Financial freedom for your family to plan your final farewell. When a loved one dies, the last thing your family wants to be doing is worrying about how to pay for a funeral arrangement, that is why the Apia funeral plan offers up to $25,000 of coverage to help your loved ones pay for your funeral and final expenses. The lump sum benefit amount is usually paid out within 24 hours of the claim being approved.
  • Guaranteed acceptance. You don't have to complete any forms or have a medical or blood test to apply.

Apia Injury Insurance

Alternatively, to offer cover and benefits while you are still alive, you can choose the Apia injury support plan, which features:

  • Coverage for accidents and injuries.If you become injured and unable to complete your regular daily tasks, Apia can pay you a benefit amount of up to $100,000 to help you pay for housekeeping services, transport or your medical expenses. You will be covered 24 hours a day, seven days a week, no matter where you are in the world, and coverage is inclusive of the injuries and incidents in your policy document.
  • Easy application. You don't need to complete any forms or undergo a medical or blood test to apply for Apia's injury support plan. You are also guaranteed acceptance, and in your application you can choose from a range of packages which suit your needs and your budget.
  • Your choice of payment options. You can choose to pay your premiums fortnightly, monthly or annually, to suit your budget and cash flow needs.

Comparing and applying for life insurance is usually something we are doing because know it's the right thing to do, which is why working with an insurer like Apia, who understand your needs, your lifestyle and your life insurance concerns, can make the whole process faster, easier and more enjoyable. Apia is dedicated to serving its niche market of over 50s in Australia, so that you can feel confident with your new policy, knowing your future and your loved ones are in good hands.

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14 Responses

    Default Gravatar
    AndrewMarch 20, 2019

    Can I get a quote on life insurance for over sixties non smoker non drinker thanks

      Default Gravatar
      NikkiMarch 21, 2019

      Hi Andrew,

      Thanks for getting in touch! While our pages show information on APIA Life Insurance – the best people to reach out for a quote is APIA since this process would need a thorough assessment of your current situation. Hope this clarifies things.

      Sorry I couldn’t be of further help at this time. Reach out anytime if you have questions.


    Default Gravatar
    peterJune 6, 2018

    Are there any life insurance product in Apia?

      Default Gravatar
      JoelJune 6, 2018

      Hi Peter,

      Thanks for leaving a question on finder.

      Apia specializes in insurance for people who are over 50 years old. They have Life, car, travel insurance etc. As of now, finder.com.au does not currently have access to this insurance provider. You may wish to view the primary providers that you can receive quotes on here.

      If you wish to know more about what Apia does, you can head to their website directly.


    Default Gravatar
    JeannetteMarch 13, 2018

    What would be the premiums for $350.00 life insurance policy? I am 70 years old.

      Avatarfinder Customer Care
      JeniMarch 13, 2018Staff

      Hi Jeannette,

      Thanks for getting in touch with finder.
      While we are not allowed to provide specific recommendations/quotes, let me give you general information to help you make a better choice.
      If you are looking for the right online savings account, please click this link https://www.finder.com.au/life-insurance-for-over-70. On that page, you will see a table about insurers that provide life insurance for seniors over 70 so you can conveniently compare your options. Use the sorter buttons to re-arrange your choices. In addition, you can also click on Get quote buttons to get more information or if you need further help then click on Compare quotes for life insurance with an adviser button.

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

      Have a wonderful day!

    Default Gravatar
    johnFebruary 8, 2018

    I am a 70 year old man and was looking for life insurance so that my family will be taken care of after my death. I have a heart condition and borderline diabetes. Will I be able to get a policy through you?

      Avatarfinder Customer Care
      RonFebruary 8, 2018Staff

      Hello John,

      Good day! Appreciate you contacting finder regarding your inquiry today.

      I understand the importance of getting covered. Unfortunately you have reached finder, a comparison website and general information service and we do not process nor accept insurance applications on behalf of the insurance providers.

      Nevertheless, you may go through this page — https://www.finder.com.au/life-insurance/pre-existing-medical-conditions, so you can see all the available options that you have to get quality cover with your pre-existing conditions.

      Hope this helps!

      All the best,


    Default Gravatar
    HeatherJanuary 25, 2018

    I am a 71 year-old female, lifelong non-smoker in good overall health and likely to live for another 20 years (my parents died at 86 and 90.) Am I correct in supposing that if I take out funeral insurance I will end up paying more in premiums than a funeral costing (for instance) $7500 would be?

      Avatarfinder Customer Care
      JhezJanuary 30, 2018Staff

      Hi Heather,

      Thank you for your comment.

      One of the common traps in funeral insurance is that you’ll pay more in premiums than the cost of your funeral. To avoid this, you should look for a policy that offers premium caps. This is a policy that caps your premiums when you’ve paid the benefit amount, with cover continuing free after that..

      You can also find out how much will a funeral insurance will cost you each month here.

      Other reference pages that might be helpful for you.

      Read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you.


    Default Gravatar
    WarrenSeptember 7, 2016

    Could you please advise if a male 70 years of age can be covered and does cover increase with premiums with the CPI each year. Thanks

      Avatarfinder Customer Care
      MauriceSeptember 8, 2016Staff

      Hi Warren,

      Thanks for your query. APIA offers funeral insurance cover with a maximum entry age of 75. In terms of CPI, your premiums will be increased to meet increases in CPI.

      I hope this answers your question,


    Default Gravatar
    JanetAugust 29, 2016

    My husband has asthma and high blood pressure. If he dies from a preexisting illness, will he be covered for life insurance and or funeral insurance.

      Avatarfinder Customer Care
      RichardAugust 29, 2016Staff

      Hi Janet,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice.

      When you enter into a life insurance policy, there is an underwriting process where you’re asked if you have any pre-existing conditions. You’re premiums are affected by the risk you pose due to these conditions. However, if you don’t disclose a condition, an insurer may not pay out a full benefit.

      If you would like to speak with a consultant about getting a life insurance policy, please head to our life insurance homepage and complete the contact form. If you are enquiring about an existing policy, you should speak with your husband’s current insurance company.

      I hope this was helpful,

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