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Funeral Insurance

  • Suncorp has been protecting lives in Australia and New Zealand since 1833
  • Buy online or over the phone in minutes
  • No medical tests needed to apply
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What is Funeral Insurance?

Funeral Insurance offers you the peace of mind that your loved ones won’t be left with a financial burden when you pass due to expenses from funeral costs.
Paying for your funeral may not be one of the first things you think of when considering the impact of your passing on your family. However, it can be difficult for families to find the amount of money needed for a funeral at short notice. Funeral insurance eases that burden. It means that your partner, children, or whoever your nominated beneficiary is, has fast access to the money they need, usually within 2 business days of an approved claim.

Why Funeral Insurance?

Funerals can be expensive. Australians spend between $4,000 to $15,0001 on a funeral  which could make a big dent in your loved ones’ finances. When the time comes, avoid leaving this financial burden with your family and join Australia’s most trusted funeral insurance brand in just a few quick and easy steps – with immediate cover and no medical questions.

Funeral Insurance Premium Information

  • Family discounts are available
  • Pay no premiums after the policy anniversary when you’re 85
  • The premiums you pay never exceed your payout at claim time
  • Receive a 10% cash back amount every 3 years you continue to hold your policy

What's included with Funeral Insurance?

Choice of cover amount

You choose how much cover you need. We offer between $5,000-$15,000. Payout is a lump sum and is generally tax free2. There are no restrictions on how this money can be spent. It can help your loved ones to cover funeral costs, debts and other expenses.

Fast payout and easy claims process

Payment usually occurs within 2 business days of an approved claim. Only ever deal with one dedicated claims manager. How to make a claim

Watch the video to see how Michael, one of our Suncorp Claims consultants, helps customers every day.

30 day cooling off period

You have 30 days to change your mind after you take out cover.

Receive your payout early if you're diagnosed with a terminal illness

If after 12 months of your policy commencing a registered doctor diagnoses you with a terminal illness with less than 12 months to live, we will advance your full payout. This can help you to arrange your financial affairs or make some lasting memories with your loved ones.

Single and joint policies available

Purchase a joint policy with an immediate family member and enjoy a 20% discount plus the convenience of having just one policy.

Plus other features that can help make managing your premiums easy

Level premiums

With Suncorp Funeral Insurance your premium is generally fixed so that it doesn't increase as a result of your age. We call this a Level Premium.

Of course, your premium will increase if you choose to increase your funeral insurance cover down the track, or accept automatic indexation each year.

No premiums after your 85th birthday

We won’t charge you any premiums from the policy anniversary after your 85th birthday.

20% Family Discount

If an immediate family member also takes out a funeral insurance policy, they will save 20% on their insurance premium. For example, if you and your partner purchase a joint policy, you’ll both receive 20% off your premium straight away.

Amount of premiums paid will never exceed your payout at claim time

Payout to your beneficiaries will always be the greater of:

1) the sum of your premiums paid, and

2) the cover amount you chose (your sum insured).

Find out more about our value promise

10% Cash Back Benefit

Receive a 10% cash back amount every 3 years you continue to hold your policy.

What's not covered?

The Funeral Benefit won’t be paid if you die during the first 12 months  after your policy commences due to an accident that occurred prior to the policy start date, a sickness, or as a result of an intentional self-inflicted act.

Want to know more?

This is just a summary, for full details of what is and isn't covered please refer to the Suncorp Funeral Insurance Product Disclosure Statement (PDS).

Why choose Suncorp?

Australia's most trusted Funeral Insurance brand

Suncorp has been helping to protect lives in Australia and New Zealand since 1833

We work with charities to help raise funds; communicate health issues; support medical research; & sponsor events that bring the community together.


Suncorp is Australia’s most trusted Funeral insurance brand

If you're facing a period of financial difficulty we'll let you pause your premiums for up to 3 months over the life of the policy. During this time, your Suncorp Funeral Insurance policy will only cover you in the event you die as a result of an accident. Find out more

Receive a 20% discount if an immediate family member holds a Suncorp Funeral Insurance policy

We reward loyalty by refunding 10% of your Suncorp Funeral Insurance premiums paid in the previous 3 years, every 3 years you continuously hold a policy.

Get a quote in 30 seconds

Or call 1800 179 081Mon-Fri, 8am-8pm EST

Frequently asked questions

Need to talk?

Our friendly team of insurance specialists at our Australian based call centre can answer all your questions.


Monday to Friday 8am to 8pm AEST


Send us an email and one of our Consultants will respond to your enquiry