Call 1300 709 560

Mon to Fri 8.00am–8.00pm EST

or let us call you Call me now

More information about Final Expenses Insurance

Introducing Guardian Final Expenses Insurance

A funeral costing $6,000 isn’t unusual these days. That money needs to be paid quickly, which can put a severe financial strain on the remaining family. Final Expenses Insurance helps by paying a lump sum benefit of up to $15,000.

The payment can be used to cover the cost of funeral and other final expenses. It could also be used to help pay for medical bills, school fees or rent repayments - even general day-to-day living expenses like groceries, phone accounts or fuel.

You can apply for Final Expenses Insurance on its own, or you have the option to add Accidental Serious Injury Insurance which pays a lump sum benefit in the event of a serious injury caused by an Accident (within 12 months of the Accident taking place). An Accidental Serious Injury is defined as one of the following injuries:

  • Quadriplegia;
  • Paraplegia;
  • Hemiplegia;
  • Blindness;
  • Deafness; or
  • Total and permanent loss of use of two limbs.

Whatever combination you choose, with Guardian Final Expenses Insurance, you are protected worldwide; 24 hours a day, 7 days a week, provided you remain an Australian Resident and your Policy stays in force.

Things you should know:

  • Cover is for Accidental Death only in the first 12 months, then death by any cause thereafter.
  • The Benefit Amount automatically increases by 5% annually up to age 80, with a corresponding increase in premium, but you can choose to decline this increase.
  • In addition, if you have selected the age-based premium option, your premium rate will increase on each Policy Anniversary if the oldest Life Insured on the Policy is aged between 44 and 80. While the oldest Life Insured on the Policy is younger than 44, or older than 79, your premium rate won’t increase due to age.
  • If you hold your Policy for an extended period of time you may pay more in premiums than the Benefit Amount, depending on the circumstances.
  • If your Policy is cancelled and cover ends, no Benefit Amount is payable, and there are no premium refunds after the cooling off period.
  • After the Commencement Date on the fixed premium rate option, you are unable to change the premium option you have selected without cancelling and restarting your cover.

What is Final Expenses Insurance?

Final Expenses Insurance is a form of Life Insurance that provides a benefit payable to your family and loved ones which can be used towards your funeral and any other immediate and outstanding bills you may leave behind. In the first 12 months the benefit is paid only if death is accidental.

There’s no need for blood tests, medicals or health questions. You can apply over the phone in one call to us on 1300 709 560.

Who can apply for Final Expenses Insurance?

If you’re an Australian Resident aged between 18 and 79 years of age, we guarantee you’ll be accepted for Guardian Final Expenses Insurance.

We offer a Single Plan (for yourself) or you can apply to include your spouse, partner or de facto under your Policy. We can also insure your children under your Policy until they reach their 21st birthday, as long as they’re Australian Residents.

How much cover can I take out?

You can choose a Benefit Amount from $3,000 to $15,000.

When you take out a Final Expenses Insurance Policy, you also receive Accidental Death Insurance, which effectively triples your Final Expenses Insurance Benefit Amount. So if you choose $15,000 of cover, you’ll leave $45,000 to your loved ones if your death is accidental.

Under a Family Plan, all Lives Insured are covered for the same Benefit Amount.

Pay at a good time

To help you manage your budget, Guardian gives you the choice of fortnightly or monthly premiums and lets you select the day that best suits you.

Guardian Final Expenses Insurance gives you two flexible premium structures: an age-based premium option or a fixed premium rate option. Please bear in mind that after the Commencement Date you can’t change the premium option you selected, without cancelling and restarting your cover.

Age-based premium option – If you choose this option, and the oldest person insured on the Policy is aged between 44 and 80, your premium rate will increase on each Policy Anniversary. As long as the oldest person insured on the Policy is younger than 44, or older than 79, your premium rate won’t increase due to age.

Fixed premium rate option – If you choose this option, your premium rate will be fixed at the rate you are paying at the start of your Policy.

Whichever premium option you choose, to help your level of Insurance keep pace with the cost of living, your Benefit Amount will automatically increase by 5% each Policy Anniversary. However you can decline these automatic increases if you wish.

30 day cooling off period
Our 30 day cooling off period gives you time to review your Policy and make sure it is right for you. If for any reason you do decide to cancel your Policy during this period, any premiums you have paid will be refunded in full.

Naturally, if your Policy is cancelled and cover ends, you won’t be insured and no Benefit Amount is payable and there are no premium refunds after the cooling off period.

For a premium quote or to understand more about the cost of your Insurance please contact Guardian Insurance on 1300 709 560.

Guaranteed renewable for life
As long as you continue to pay your premiums, your Policy is guaranteed renewable for life, even if your health and circumstances change. And that cover is worldwide.

Happy 90th Birthday!
Once you reach the grand old age of 90, you won't have to pay any more premiums, and you’ll still continue to be covered.


  • As seen on TV
  • 30 day money
    back guarantee
  • No medical exam
    No blood test to apply
  • Worldwide cover 24/7

Request a FREE information pack

Mandatory field

By clicking the ‘Free Info Pack’ button you agree to our terms and conditions.

You acknowledge the PDS is available here for your review. You consent to receiving a telephone call from us regarding insurance. Your information may also be used to provide you with offers to our other products, but you can opt out of this when we contact you or by calling us on 1300 709 560. We are unlikely to disclose this information to any person outside Australia. You can obtain a copy of our Privacy Policy, which includes details of how you can access and correct your information and complain about breaches of privacy law, on this website or by requesting a copy.