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More Information About Guardian Funeral Insurance

Introducing Guardian Funeral Insurance

A funeral costing $10,000 or more isn’t unusual these days. That money needs to be paid quickly, which can put a financial strain on the remaining family. Guardian Funeral Insurance helps with a quick cash payout to your loved ones if you pass away.

While it’s designed to help pay for your funeral, it can be used for other expenses or outstanding debts - whatever your family needs most at that time.

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:

  • Please note cover is only for Accidental Death and Accidental Serious Injury in the first 12 months of your Policy
  • Accidental Serious Injury expires on the Policy Anniversary after your 75th birthday
  • There’s no refund of premiums after the cooling off period. The total amount of premiums payable over the life of the Policy has the potential to exceed the cover amount
  • If you choose the Early Cash Out Option, you will no longer be eligible to claim as this option will cancel your Policy

What is Funeral Insurance?

Funeral Insurance is a form of cover that provides a cash payout to your loved ones when you pass away. This payment can be used towards your funeral and any other expenses you may leave behind such as medical bills, mortgage payments and other day-to-day expenses.

You can choose a Benefit Amount from $3,000 to $15,000, and you'll also be provided with three times the benefit in the event of Accidental Death. If you were to be diagnosed with a Terminal Illness with less than 12 months to live, we will also pay you 100% of your chosen Benefit Amount. Plus, your cover automatically includes Accidental Serious Injury Insurance.

The Benefit Amount is paid out without unnecessary delay and generally within 1 business day of all documentation being received, so you know the money will be there when it’s needed.

While it’s designed to help pay for your funeral, it can be used for other expenses or outstanding debts - whatever your family needs most at that time.

You can apply over the phone in one call to us on 1300 709 560, we’re here between 8am and 8pm Monday to Friday (AEST) and always happy to help.

Who can apply for Funeral Insurance?

If you're an Australian resident aged between 18 and 79, acceptance for Guardian Funeral Insurance is guaranteed.

You can apply for cover for yourself (on a single plan), or you can also include your spouse, partner or de facto under your Policy (on a joint plan).

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, your family’s Benefit Amount will be tripled if you suffer an Accidental Death.

For example: prior to turning 85, if you have a $10,000 funeral insurance Benefit Amount and you die because of an Accident, the benefit payable to your loved ones would be $30,000. If Accidental Death occurs after you turn 85 the triple Benefit Amount also includes the 25% in Bonus Cover.

Experience the difference with Guardian Funeral Insurance

To help you manage your budget, Guardian Insurance 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 quote or to understand more about the cost of your Insurance please contact Guardian Insurance on 1300 709 560, we’re here between 8am and 8pm (AEST) and are always happy to help.

Cash payout

With Guardian Funeral Insurance, you are able to receive a payout as long as you continue to pay your premiums as required (and cover is not cancelled for any reason).

When you turn 85, you can choose to:

  • End your Policy and cash out 75% of your Benefit Amount right away, or
  • You can continue your Policy (until you celebrate your 100th birthday) at no further cost to you and receive an additional 25% in Bonus Cover

Happy 100th birthday!

Once you reach your 100th birthday, your cover ends and we will pay you both your Benefit Amount as well as the 25% Bonus Cover.

If you choose the early Cash Out 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.


  • 30-day money
    back guarantee
  • No medical exam
    No blood test to apply
  • Worldwide cover 24/7