Funerals can be expensive, and costs can easily run into the thousands of dollars. No-one would want to leave their family and loved ones with the sudden financial stress of covering these costs, especially during a time when they will be grieving.
The Australian Seniors Funeral Plan is designed to help you protect your family from the financial burden of your funeral and other unforeseen costs, when the time comes. It’s a funeral policy that can help you feel confident that your family will be able to pay for the funeral you want.
Get a quote for Australian Funeral Insurance that caters to your needs.
If you’re healthy, you want to live a full, active life without having to worry about what’s around the corner. Accidents happen, and illnesses unfortunately can arise out of the blue, so taking out funeral insurance early will mean that a measure of financial protection is there for your family when it’s needed.
Receive a free info pack for more information to help you understand your options and the benefits of the Australian Seniors Funeral Plan.
If you are an Australian Resident aged 18 to 79, the Australian Seniors Insurance Agency guarantees that you will be accepted for this cover.
The Seniors Funeral Plan is perfect for Australian Pensioners. Funeral Insurance can help ensure your loved ones have the funds available to cover your funeral costs, giving you ongoing peace of mind.
No, and we will not ask you any intrusive questions about your health, or lifestyle when you apply.
You can select a cover option which is suited to your needs and budget. Cover options range from $3,000 up to $15,000 insurance benefit (benefit is paid only in the event of accidental death in the first 12 months, full cover thereafter). Your premiums payable will be calculated according to your chosen benefit and plan.
If death is the result of an accident, then three times the insurance benefit will be paid. This means if you have chosen a $10,000 insurance benefit, and you die as a result of an accident, the benefit payable to your loved ones would be $30,000.
To give you even more peace of mind, there is the option to extend your cover.
You can add Accidental Serious Injury Insurance to your Seniors Funeral Plan. If you have Accidental Serious Injury Insurance, you or your family will be paid a benefit in the event that you suffer Quadriplegia, Paraplegia, Hemiplegia, Blindness, Deafness or Total and Permanent Loss of Use of two limbs due to an accident.
Yes. We understand that you may be thinking about the wellbeing and financial security of your partner and children as well. The Australian Seniors Funeral Plan has been designed to be family friendly. You can choose to cover your life only (Single Plan), or cover yourself and your partner and all children who are dependent on you until they reach age 21 (Family Plan). There is no limit on the number of dependent children that can be covered under the Family Plan.
After the first year of cover, the Seniors Funeral Plan covers death from any cause, including sickness and accident, with no exceptions. During the first year of the Australian Seniors Funeral Plan, a benefit will only be paid if death is the result of an accident.
Accident means an event resulting in bodily injury where the injury is directly and solely caused by violent, external and visible means, without any other contributing causes and where the injury is not self-inflicted.
Accidental Death means death occurring as direct result of an accident and where death occurs within 90 days of the accident.
Absolutely. We want you to be able to travel and take holidays with confidence and peace of mind, so once your Australian Seniors Funeral Plan is in place, you are covered anywhere in the world, around the clock.
Covering yourself and your family against the financial burden of funeral costs doesn’t have to be expensive. You may be surprised at how affordable it can be for you, so simply contact us for an obligation free quote. Cover starts from as little as $2.84 per week (age-based premium for Single Plan providing $5,000 benefit [or $15,000 Accidental Death benefit] for a person aged 50.)
Ask for a quote to find out how easy it is.
To help you with your budgeting, you can choose to pay your premiums either fortnightly or monthly, on the day of your choice.
Australian Seniors Insurance Agency gives you a number of options to pay your premiums. You can pay fortnightly or monthly by automatic debit from your bank, credit union or building society account, so you won’t have to worry forgetting any payments. Alternatively, you can charge your premiums to your Visa or Mastercard.
We understand that everyone’s needs are different. That’s why we allow you to choose between two premium structures to suit you and your budget:
Age-based premium option
If you want cost-effective cover with automatic inflation protection, our age-based premium option may be right for you.
If you choose our age-based premium option, your premium is calculated when you take out your policy, and it starts lower than the fixed premium option. Your premium then increases at each policy anniversary, and your benefit amount is automatically increased by 5% each year, in order to provide extra cover for the inflation of funeral costs.
Fixed premium option
If you’re aged 50 to 79, you may want a little extra help managing your budget.
If you choose our fixed premium option, your premium is calculated at the time of application, and won’t increase with age although it starts higher than the age-based premium option. You will have the confidence knowing that your premium in fixed. Persons aged 50 to 79 can select the fixed premium option.
You can call us at 1300 14 5532 to discuss your options or have us call you!
In most cases your premiums will not be tax deductible and tax will not be payable on any benefit paid under your policy.
This information is based on continuance of present tax laws and the insurer’s interpretation of those laws. Your individual situation may differ and you may wish to seek qualified professional advice in relation to your particular circumstances.
As long as you continue paying your premiums, your cover is guaranteed renewable for the rest of your life, even if your health or circumstances change. What’s more, from age 90 onwards, you no longer have to pay premiums, but you’ll still be covered.
We want you to be happy with your Seniors Funeral Plan. That’s why you’ll have a full 30 days from the commencement of your cover to review your policy. If you wish to cancel for any reason during these 30 days, simply notify us in writing.
If you cancel your Seniors Funeral Plan within the first 30 days of commencement – for any reason whatsoever – you’ll receive a full refund of any premiums you may have already paid providing no claim has been made. You can still cancel your Seniors Funeral Plan any time after 30 days, but as this policy is not a savings plan, you will not receive any money back if you cancel outside this 30 day cooling off period.
In the first instance, we make all payment for claims to the person who has taken out the Seniors Funeral Plan (the policyowner). For those who are covered under a Family Plan, payments are made to the surviving Life Insured.
If there is no surviving policyowner, benefits will be paid to the Nominated Beneficiaries.
If the policyowner hasn’t nominated any Beneficiaries, we will pay the benefit to the policyowner’s estate.
With the Australian Seniors Funeral Plan, you can rest assured that your benefit amount will be paid to the people who you want to receive it.
You can nominate one or multiple people as a beneficiary to receive the benefit in the event of your death by simply downloading the PDF Beneficiary Form, completing it and mailing it to:
Australian Seniors Customer Service
PO Box 6728
Baulkham Hills NSW 2153
You can nominate up to five people on your Beneficiary Form (available on our Downloads page). You can also specify the percentage amount you want each person to receive.
For information and instructions on how to make a claim, please visit our Claims page.
We understand that arranging a funeral can be a difficult and emotional process for anyone, so we strive to avoid delays in paying claims.
We will quickly process and assess claims as soon as the completed claim documents are received along with any additional information required. Accepted claims will be paid without any unnecessary delay and without any waiting periods to help make things easier for your family.
Hannover Life Re of Australasia Ltd (ABN 37 062 395 484) is the issuer of Australian Seniors Funeral Plan.
Hannover Life Re of Australasia’s portfolio of life insurance business has been in place for over 40 years and consists of approximately $500 million dollars of annual premium. The company is part of the Hannover Re Group which is one of the world’s leading reinsurers. Its worldwide network consists of more than 100 subsidiaries, branches and representatives offices in 20 countries.
To apply for cover with the Seniors Funeral Plan, simply call 1300 14 5532 to speak to one of our friendly customer service consultants. We can give you an obligation free quote, answer any additional questions you may have and take your application over the phone in minutes. It’s as easy at that!
If you’d prefer us to call you, simply fill out the Request a Call form, and one of our Customer Service Consultants will call you in under five minutes (Monday to Friday, 8:00am-8:00pm).
