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Funeral Insurance

Many people are beginning to realise that Funeral Insurance may end up being a very expensive way to cover the cost of a Funeral.

The NSW Minister for Fair Trading, Anthony Roberts has warned consumers about Funeral Insurance and wrote to the Federal Treasurer raising his concerns (5 Sept, 2011). It is important that people understand the true cost of Funeral Insurance and the advantages of a Pre- Paid Funeral.

TV Advertising for Funeral Insurance only tells you the price a younger person would pay for insurance. What many people don’t realise is that the price increases dramatically the older you get. An 82 year old can pay as much as $172 per month ($2064 per year) for $8000 insurance cover. Many people drop out of these insurance schemes because the large price increases as you get older makes it unaffordable and of little value.

A review by consumer watchdog, CHOICE (, found consumers were paying a significantly more in insurance premiums than the actual value of the cover.

“A fifty year-old will end up paying over $140,000 in insurance premiums for a funeral worth $6,000.” Source: The $140,000 Funeral: The pitfalls of funeral insurance, Combined Pensioners and Superannuants Association, March 2011.

Another thing that many people do not understand, is that when you stop paying the premiums, the insurance stops. There is no fund that builds up over time or that gets paid out when you leave. Because it is only insurance, it has no value outside the insured period. You have to keep paying the increasing premiums to keep the cover.

As people get older they can’t afford the rapidly increasing premiums, so they stop paying and end up with nothing after years of paying for funeral insurance.

A Pre-Paid Funeral Plan is a more affordable and safer way to pay the cost of a funeral over time.

Pre-Planned Funerals

"Thank you for all that you have done in organising Xavier’s funeral. You were so caring and professional in this difficult time."


"I wanted to acknowledge and thank you for your compassion that you showed my family at the time of Uncle Harry's death, and for your care and attention to detail in all aspects of the planning and the conduct on the day of his funeral. We are all very grateful."

Peter Salisbury

"It is a day that I will remember for the rest of my life – with gratitude and contentment at a job well done."

Steph Monahan