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Funeral Insurance

  • Your premiums don’t go up as you get older1
  • Buy online or over the phone quickly
  • Immediate cover for Accidental Death for the first 12 months of your policy, with no medical questions to answer. Full cover for any cause of death after 12 months.

Help support your family when they need it most

It can be difficult to find enough money for a funeral at short notice. The decisions you make now can mean all the difference for your family’s future. Suncorp Funeral insurance gives you the confidence of knowing that, when the time comes, the people you love will have financial help.

Why choose Suncorp Funeral Insurance?

You choose how much cover you need

Suncorp Funeral Insurance offers immediate cover between $3,000 – $15,000. Payout is a lump sum and is generally tax free2, with no restrictions on how it can be spent. It can help your loved ones cover funeral costs, debts and other expenses.

Fast payout

Payment is usually made within 24 hours of an approved claim being made, so your family will have one less thing to worry about.

Receive 10% bonus cover after 5 years3

Bonus cover is provided at no extra cost, as recognition for your loyalty.

Get 5% premium discount

You’ll get 5% off your premiums after 10 years of holding your policy.

Early payout option4

Enjoy the option of receiving 120% of your benefit after your 85th birthday.

Example scenario

Value Promise5

The amount your family receives as a payout will depend on the option you select when you take up a policy. Here’s a quick guide:

  1. If you choose the 100% option, your payout will be your cover amount or 100% of premiums paid, whichever is greater.
  2. If you choose the 70% option, your payout will be your cover amount or 70% of premiums paid, whichever is greater. 

See how it works

Add a family member to your policy6

Receive an additional 5% discount when you add another adult to the same Funeral Insurance policy.

Level premiums7

Your premium won’t increase with age. It’ll only do so if you choose to increase your Funeral Insurance cover down the track.

Get a quote

Or call 13 11 55
Mon–Fri, 8am–6pm (AEST)

Optional extra

Accidental Death Cover

With Suncorp Funeral Insurance, you have the option to add Accidental Death Cover. This is paid if you pass away from an accident, or within six months of the injuries sustained in an accident. This benefit is paid in addition to your Funeral Benefit.  

What's not covered?

Your Funeral Insurance won’t be paid if you pass away during the first 12 months after your policy commences, due to:

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

Please note, if you cancel your policy or it lapses, you’ll lose all your premiums paid up until that date. If you’re struggling to meet your premium payments please call us to discuss your available options.

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).

Here to help you

Funeral Insurance can be tough to talk about. That’s why the Suncorp Funeral Insurance team are here to help you through the process. If you have any questions, please contact one of our friendly team members.


Monday–Friday, 8am–6pm (AEST)

Call 13 11 55


The Suncorp Funeral Insurance team get back to you generally within, 2 business days

Send an email

Get support

If you’d like guidance on how to talk about death and funeral insurance with your loved ones, take a look at the below resources.

Dying to Talk
Visit website

QLD Health
Visit website

1 The premiums may change if you make changes to your Policy or if the underlying premium rates are changed by us. However, you will never be singled out for a premium rate increase.

2 This is a guide only and does not take into account changes in taxation laws or your particular circumstances. You should ask your tax adviser or the Australian Taxation Office about your own circumstances.

3 Bonus 10% more cover is calculated on the fifth anniversary from the Cover Commencement Date. Each adult life insured will have an extra 10% of the average Funeral Insurance Cover amount held during the previous five years added to their Funeral Insurance benefit. Terms and Conditions apply. Refer to the Product Disclosure Statement for more information.

4 After the Policy Anniversary following a Life Insured reaching age 85, the Policy Owner can cash in the policy and receive a payout of 120% of the Life Insured’s average Funeral Insurance cover amount, excluding Bonus Cover, the optional Accidental Death cover. The Early Payout Option may affect entitlements to the age pension and other government benefits.

5 Highest payout is paid on receipt of a valid claim and is calculated on your Funeral Insurance cover or Funeral Insurance premiums paid.

6 The multi-life discount doesn’t apply to the optional Accidental Death Cover.

7 The premiums may change if you make changes to your Policy or if the underlying premium rates are changed by the Insurer. However, you will never be singled out for a premium rate increase.

Information is current as at 18 May 2020 and may be subject to change from time to time without notice.

Suncorp Funeral Insurance is issued by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies use the Suncorp brand under license. TAL companies are not part of the Suncorp Group. TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct) has been authorised under an arrangement with the insurers to enter into, vary or cancel insurance cover and manage, administer and settle claims on behalf of the insurer as if it were the insurer.

General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Insurance product you must read the Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG) or call 1800 602 178. The PDS and FSG contain important information which will help you understand the product, including what's covered and what's not covered and to help you decide whether it is appropriate for you and whether to use any of the services offered. Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct).

Asteron and TAL Life support and adhere to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email or visit

Example scenario