Funeral Insurance

Funeral insurance is a simple way to plan for the future and help financially cover your family. You’ll pay monthly or fortnightly premiums, and if you were to pass away, your loved ones will receive a lump sum to help cover the costs of your funeral or to settle your affairs.

Cover starts from just $2.95 a week
Trust your family will be supported in their time of need

Get a quick quote

Or call 13 11 55

What is funeral insurance?

Funeral insurance is when a lump sum payment is made to your family if you should pass away. The amount paid out can be used to cover the costs associated with your funeral or to settle some of your affairs. With funeral insurance you pay monthly or fortnightly premiums for a fixed amount of cover.

Why is funeral insurance important?

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 does funeral insurance work?

Suncorp Funeral Insurance helps make sure you’re covered by providing comprehensive cover you can rely on. Simply choose to pay monthly or fortnightly premiums for a fixed cover amount of $3,000 to $15,000 at application. Then your loved ones can use that lump sum for funeral cars and grave, clergy or chapel fees. Or to settle affairs, like unpaid bills or outstanding debts.

How much does funeral insurance cost?

The amount you pay will depend on a few things, like your cover level, payout amount, age, health and lifestyle. Once you’ve locked in your policy, the premium won’t go up as you get older. Get a funeral insurance quote online to see how you can tailor a policy to suit your budget.

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.

Enjoy great deals and savings at major retailers with Suncorp Benefits.

Enjoy Suncorp Benefits with your policy

Save up to 15% with great deals at major retailers.

Everyday discounts
Save on health and wellbeing brands, as well as groceries, fashion and more

Savings on the big stuff
Get great deals on travel, furniture, electronics and more

Access to rewards
Simply pick your reward on your phone and use it instantly

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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.

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 and support the Financial Services Council in promoting and monitoring the Code of Practice. Suncorp Life will continue to look for ways to raise the standards of customer service now and over the years to come. Read more.

Suncorp Funeral Insurance is here to help

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