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Final expenses insurance in Australia

It’s good to compare final expenses insurance plans before you make an investment in this type of insurance.


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Compare Funeral Insurance products with Choosi

Finding money to pay for your funeral can be stressful for those who are organising and paying the cost. Funeral insurance can be one way to help alleviate your grieving family from the financial burden of these unexpected costs. There are a number of different funeral policies available to compare through Choosi, including the final expenses insurance cover available through Real Insurance and Australian Seniors Insurance Agency.

What is Final Expenses Insurance?

A lot of people look at funeral insurance to provide their family with a benefit amount that can go towards their funeral costs and other expenses, and final expenses insurance is just another option to ensure you can help your family meet your end of life costs.

How does Final Expenses Insurance work?

Applying for either final expenses or funeral insurance is simple; generally there are no medicals, no blood tests and no complicated forms. The policy covers you for accidental death in the first 12 months and death by any cause thereafter. You can determine the level of cover that suits you and select who would want to receive the benefits of your cover when you die. As long as you keep your premium payments up to date you will be covered; typically these payments will be monthly or fortnightly for policies sold through Choosi.

You can select a final expenses cover benefit of up to $15,000, which could triple to $45,000 in the case of Accidental Death. This benefit can be used to help cover any expenses that your family may have when you pass away. Typically the biggest expense, will be for your funeral; the average of which costs between $4,000 and $7,000 in Australia (according to Choice in 2009); and any other financial obligations that remain at the end of your life such as outstanding loans; it can also help the family pay for unexpected travel expenses to attend your funeral or any immediate costs for your memorial or notices.

Whilst the benefit is designed to assist with the cost of your funeral and other final expenses, the benefit may be used however your nominated beneficiary sees fit. The benefit is a lump sum only and does not provide any funeral, burial or cremation services.

Why should I take out Final Expenses Cover?

Final expenses cover is a helpful way to tidy up your finances at the end of your life. It’s also a caring and thoughtful consideration towards your family at an already emotionally challenging time, by ensuring they are not burdened by unexpected costs associated with you passing away.

There are no medical or blood tests, and guaranteed acceptance to applicants under the age of 79 who are Australian residents. For peace of mind, compare final expenses insurance today with Choosi.

Things you should consider when taking out final expenses or funeral insurance

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.


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Choosi Pty Ltd (ABN 15 147 630 886) offers insurance products from a range of Australian brands. Choosi does not provide information, or offer cover, for all products available in the market and there may be aspects to some products that we do not compare. Choosi is not an insurer and cover is issued by various underwriters. Your use of this website is undertaken in accordance with the full Terms and Conditions.

Choosi is owned by Hollard Financial Services Pty Ltd (ABN 53 128 692 884), the distributor of each pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance policy Choosi is able to arrange directly for the following brands: ACE Insurance Limited, Australian Seniors Insurance Agency, Guardian Insurance, Prime Pet Insurance, Real Insurance, RSPCA Pet Insurance and Woolworths Insurance. Choosi is also a related company of The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473 AFSL 241436), the issuer of each pet insurance product Choosi is able to arrange directly. Information on this website does not take into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) for more information and to ensure the product suits your needs. The PDS for each of the pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance products sold through Choosi and our advisor partner are available through this website. Health Insurance products are not required to have a PDS, but this website has a Fact Sheet for each Health Insurance product Choosi is able to arrange.

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Ground Floor, 58 Norwest Blvd, Bella Vista NSW 2153

Phone: 13 55 55