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More information about Funeral Insurance

Introducing Guardian Funeral Insurance

A funeral costing $6,000 or more isn’t unusual these days. That money needs to be paid quickly, which can put a severe financial strain on the remaining family. Guardian Funeral 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.

With Guardian Funeral 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, cover for any cause thereafter.
  • If your policy is cancelled prior to age 85, no benefit amount is payable.
  • If you change your cover your premiums will be affected.
  • If you choose the Early Cash Payment option, you will no longer be eligible to claim and you may receive less than the total premiums you’ve paid into your policy to date.

What is Funeral Insurance?

Funeral 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 Funeral Insurance?

If you’re an Australian Resident aged between 18 and 75 years of age, we guarantee you’ll be accepted for Guardian Funeral Insurance.

We offer a Single Plan (for yourself) or you can apply to include your spouse, partner or de facto under your policy (Joint Plan). 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 Funeral Insurance policy, you also receive Accidental Death Insurance, where we pay five times the insurance benefit – up to a maximum of $75,000 if your death is accidental. So if you have a $10,000 Funeral Insurance benefit and you die because of an Accident, the benefit payable to your loved ones would be $50,000.

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.

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. Also, 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 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

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