No-one would want to leave their family with financial stress as a result of having to pay funeral costs, would they? Funeral Expenses Insurance, that pays your chosen benefit upon your death (in the first 12 months the benefit is paid in the event of accidental death, thereafter the benefit is paid for death by any cause), can help you protect your family from the financial burden of your funeral and other unexpected costs, if you were to unexpectedly pass away.
No-one knows what lies around the corner, whether it’s accident or illness - and securing cover early ensures the protection is there when it’s needed.
You can select a cover option that suits your needs and budget, from $3,000 life insurance benefit through to $15,000 life insurance benefit. If death is the result of an accident, then three times the life insurance benefit will be paid. This means if you have a $10,000 life insurance benefit, and you die as the direct result of an accident, the benefit payable to your loved ones would be $30,000.
To help ensure that your level of insurance cover keeps up with increases in the cost of living your cover level is automatically increased on each policy anniversary by 5%. You may decline this increase by writing to us, when we make you the offer.
Yes. You can add Accidental Serious Injury Insurance to your Guardian Funeral Insurance policy. Accidental Serious Injury Insurance provides a benefit in the event of Quadriplegia, Paraplegia, Hemiplegia, Blindness, Deafness or Total and Permanent Loss of Use of two limbs.
If you are an Australian resident aged between 18 and 79 we guarantee to accept you for this insurance, with no health questions asked, and no medical requirement.
No, and there are no intrusive questions about your health and lifestyle.
After the first year of cover there are no exclusions on the cover provided. During the first year of the Guardian Funeral Insurance policy, a benefit will only be paid if death is due to an accident, thereafter the benefit is payable on death from any cause, including sickness and 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 a direct result of an Accident and where death occurs within 90 days of the Accident.
Absolutely. Once your Guardian Funeral Insurance policy is in force, you are covered around the clock, anywhere in the world.
Yes. Guardian Funeral Insurance has been designed to be family friendly. You can choose to cover your life (Single Plan), or cover yourself and your partner and all children until they reach age 21 who are dependent on you (Family Plan). There is no limit on the number of dependants that can be covered under the Family Plan.
The premium is calculated each year on the policy anniversary and is based on your age at that time, the benefit level you select, and whether you select Family or Single Plan. With a Family Plan the premium is based on the age of the oldest member of the family. From age 90, premiums are waived and no further payments are required.
In most cases your premium 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 should seek qualified professional advice in relation to your particular circumstances.
As long as you pay your premiums, the cover is guaranteed renewable for the rest of your life and you’ll be covered anywhere in the world, 24 hours and day – even if your health and circumstances change.
If you cancel your Guardian Funeral Insurance policy within 30 days of the commencement date – for any reason whatsoever – you’ll receive a full refund of premiums that have been paid. As Guardian Funeral Insurance is not a savings plan, if you cancel your cover after 30 days, you will generally not get anything back. However, if you have paid annually in advance and cancel your policy after the 30 day cooling off period has expired any premium refund due will be paid into your nominated account.
As the Policyowner, you have the right to nominate up to 5 beneficiaries to receive benefits payable under your policy on your death. If no nomination is made all benefit payments are made to you, the Policyowner, or if the Policyowner dies, the Insurance benefit will be paid to the Policyowner's legal personal representative, or other person that the insurer is permitted to pay under the Life Insurance Act 1995. You can nominate a beneficiary or beneficiaries by simply downloading a
Beneficiary Form, completing and mailing it to:
Guardian Insurance
GPO Box 1679
Crows Nest NSW 1585