Funeral Insurance

Funeral Insurance can help you and your family to financially prepare for the future. By paying monthly, fortnightly or annually premiums, you’ll make sure your family receives a lump sum when you pass away. This can be used to help cover funeral costs or to support with settling your affairs.

Cover starts from just $2.95 a week
5% discount when you add another adult to the same policy

Get a quick quote

Or call 13 11 55

$100 eGift card with cover^{^}

Take out a new Suncorp Funeral Insurance policy and get a $100 eGift card after your first 4 months of cover.

T&Cs apply.

What is funeral insurance and how does it work?

Suncorp Funeral Insurance provides a lump sum payment of up to $15,000 to your family when you pass away. This can be used to cover funeral costs like chapel fees, burial expenses, cars or flowers, or to settle your affairs - like any unpaid bills or outstanding debts.

To secure a suitable fixed cover amount and ensure your family gets the financial support they need, you can choose to pay monthly, fortnightly or annually premiums.

Do I need funeral insurance?

Wherever you’re at in life, funeral cover is a good way to plan ahead and enjoy peace of mind that your family won’t be left with financial burden after you’re gone. With a funeral insurance policy, you’ll know you’re making the right decision by your children and loved ones.

How much does funeral insurance cost?

With Suncorp cover starts from just $2.95 a week. Premiums are available fortnightly, monthly or yearly. If you choose to pay your premiums annually, you’ll only pay 11 months instead of 12 months.

The premium amount you pay will depend on a few things, like your cover level, payout amount, age, health and lifestyle. Cover level is offered between $3,000 - $15,000 upon application, which can be increased to up to $25,000 once your policy is in place. Payout is a lump sum and is generally tax free.

Get a quick quote

Or call 13 11 55

Suncorp Funeral Insurance at a glance

What’s included?

Cover for Accidental Death
After the first 12 months of cover, any cause of death is covered.
Tailor your funeral insurance cover
Suncorp Funeral Insurance offers between $3,000 – $15,000 upon application, which can be increased to up to $25,000 once your policy is in place. Payout is a lump sum and is generally tax free. It can help your loved ones cover funeral costs, debts and other expenses.
Fast payout within 24 hours
Enjoy funeral cover with no waiting period. Payment is usually made within 24 hours of an approved claim, so your family will have one less thing to worry about.
Add a family member to your funeral policy
Receive a 5% discount when you add another adult to the same funeral insurance policy.
10% Bonus Cover after 5 years
Bonus cover is provided at no extra cost, as thanks for your loyalty.

Early payout option
Enjoy the option of receiving the 120% of your benefit after your 85^th birthday. Please be aware that there are income tax implications you should consider before exercising this option.
Value Promise
The amount your family receives as payout will depend on the option you select when you take up a policy. Here’s a quick guide:
1) You choose 100% option = payout will be your cover amount or 100% of premiums paid (whichever is greater)
2) You choose 70% option = payout will be your cover amount or 70% of premiums paid (whichever is greater)
Annual premium discount
If you choose to pay your premium annually, you’ll only pay 11 months instead of 12.

What’s not included?

No payout if you die during the first 12 months
No funeral benefit is payable if you die during the first 12 months from any cause other than Accidental Death. If this occurs, we will pay a benefit amount equal to the Funeral Insurance premiums you’ve paid so far.
Limited payouts on Accidental Death

No funeral benefit or optional Accidental Death Cover is payable for Accidental Death if your death is directly or indirectly a result of:

an accident that happened before the policy start date,
a sickness, or
an intentional self-inflicted act.

For more information on the exclusions, read the PDS

Get a quick quote

Or call 13 11 55

Optional add-on

Accidental Death Cover

Designed to help you and your family with the unexpected costs of an accidental death, this will provide a payout if you die from an accident, or within 6 months of an injury leading to your death. You can choose a cover amount between $1,000 and $50,000 – which will be paid to your loved ones on top of your funeral cover benefit.

Want to know more?

For full details of what is and isn’t covered, please refer to the PDS.

Who can apply?

Who is eligible for funeral cover in Australia? Suncorp Funeral Insurance is available to any customers who permanently reside in Australia and are:

aged 45 to 80
an Australia citizen or
an Australia permanent resident
a New Zealand citizen

Get a quick quote

Or call 13 11 55

Why so many Australians choose Suncorp Funeral Insurance

Trusted by thousands of Australians who turn to Suncorp for their personal insurance needs.

Suncorp Funeral Insurance rewards you with ways to save, like 5% off when you add a family member to your policy or 10% bonus cover after 5 years.

Frequently Asked Questions

Yes - if your parents are Australian or New Zealand residents under the age of 80 you are eligible to apply for Suncorp Funeral Insurance.

To talk to the Suncorp Life team about a claim you can call 13 11 55, Monday-Friday, 8:00am-6:00pm (AEST). Please have the policy number on hand when you call. To lodge your claim, the friendly Suncorp Funeral Insurance staff will be there to take care of your nominated beneficiaries or your legal personal representative. Please have the policy number on hand as well as date and cause of death. Please read the PDS for full details.

Receiving a COVID-19 vaccination approved for use by the Therapeutic Goods Administration (TGA) in Australia will not affect the cover under your existing insurance policy. Suncorp Funeral policies do not include exclusions or limitations related to COVID-19 including vaccine related side-effects. If you were to experience sickness or injury after receiving the COVID-19 vaccination, a claim can still be lodged for a benefit under your policy and your claim will be assessed and is subject to the terms and conditions of your policy. This includes doctors, nurses, health professionals, police and people working in quarantine hotels and services.

The Youpla Group, (formerly Aboriginal Community Benefit Fund), went into liquidation in March 2022.

To help the families of fund members affected by the collapse, the Australian Government is running the Youpla Group Funeral Benefits Program.

The Program will pay a grant in place of a funeral benefit that would otherwise have been paid by the Youpla Group before its collapse. You can apply for the Program if your loved one has passed away and they were a Youpla Group or Aboriginal Community Benefit Fund member on or after 1 April 2020. Applications can be made up to 30 June 2024. If the member’s funeral has already been paid for, you can still make an application.

The Program will pay an amount up to the cover limit of the member’s Youpla Group or Aboriginal Community Benefit Fund policy. For more information you can call 1800 296 989, email youpla@treasury.gov.au or visit treasury.gov.au/youpla.

Suncorp Life’s Commitment to the Life Insurance Code of Practice

Suncorp Life Insurance policies are issued by TAL, who played a key role in creating the Life Insurance Code of Practice. Suncorp Life is committed to delivering the best possible customer service standards. Suncorp Life will continue to look for ways to raise the standards of customer service now and over the years to come. Read more.

At TAL, we are committed to supporting our customers who may be experiencing vulnerability or have unique needs. Contact us or see how we can help if you are experiencing financial hardship or domestic and family violence.

Suncorp Funeral Insurance is here to help

Call the Suncorp Life Team

For help with a quote, contact the team for a chat.

View our operating hours

Call 13 11 55

Request a call back

A Suncorp Funeral team consultant will get back to you.

Request now

Apply online

Get a quote and apply online in minutes

Apply now

^{^}Offer available to customers who complete an application for a new Suncorp Funeral Insurance policy between 3rd of April 2024 and 30th of June 2024 (inclusive). All eligible customers must be issued with a policy commencement date prior to 00:01AM (AEST) 31st of July 2024 and hold the policy for 4 consecutive months and pay 4 months’ premiums in full. One eGift card per customer per policy type. View full terms and conditions.