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Australian Seniors

Australian Seniors is the over 50s insurance specialist. It provides peace of mind for Australian seniors with a range of cost-effective insurance solutions, so you can spend more time enjoying life, and less time worrying about what your family will do if something happens to you.

Life is unpredictable, but you can be prepared with Australian Seniors. It’s committed to providing innovative, quality, and cost-effective insurance for seniors whether they’re working, pensioners, or self-funded retirees.

Insurance products

Seniors Funeral Insurance

  • Australian residents aged 40 to 79 are guaranteed acceptance
  • Quick payout to your family usually paid within 1 business day of receiving completed documents
  • Your chosen benefit is paid in the event of your death which is from $3,000 up to $15,000 (cover for accidental death and accidental serious injury only in the first 12 months)
  • No forms, medical exam, or blood tests required
  • Triple benefit paid for accidental death (up to $45,000)
  • Automatic cover for accidental serious injury at no extra cost¹
  • Your premiums won’t increase each year²
  • No premiums payable after age 85
  • After age 85, you can cancel your policy and choose the early cash payout option to get 75% of your funeral cover amount OR keep your policy and get a 25% bonus cover at no extra cost when you pass or reach age 100³
  • Free will kit with your policy, to help get your affairs in order
  • 30-day cooling off period
  • Free ongoing subscription to DARE magazine for all active policies

Seniors Life Insurance

  • Australian residents aged 45-79 can apply for cover
  • Easy application process, with just 8 health questions to answer
  • Choose a level of cover best suited to your needs, from $10,000 to $200,000
  • Cover for death due to any cause4 or diagnosis of a terminal illness5
  • Cover for when you need it most, from the acceptance date until the policy expiration on the life insured’s 85th birthday
  • 20% advance payout to cover funeral costs, so your loved ones won’t have to worry about the cost of your funeral or other immediate expenses (subject to approval)
  • Triple benefit paid for accidental death (up to $600,000)
  • Single or joint policies available
  • 30-day cooling off period
  • Free ongoing subscription to DARE magazine for all active policies

Seniors Pet Insurance

  • Claim up to 80% on the cost of eligible vet bills, up to $12,000 per year6
  • Choose from three levels of cover to ensure the right protection for your pet’s needs
  • Cover for home visits included at no extra cost
  • 10% discount for over 50s
  • One free digital issue of DARE magazine
  1. Accidental serious injury cover expires on the policy anniversary after your 75ᵗʰ birthday.
  2. The premiums may change if you make changes to your policy or if the underlying premium rates are changed for all policy holders.
  3. 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 payout option, you’ll no longer be eligible to claim as this option will cancel your policy.
  4. Excludes cover for death or terminal illness as a result of a self-inflicted injury in the first 13 months.
  5. Terminal Illness with a diagnosis of 24 months or less to live.
  6. Exclusions, benefit limits, and sub-limits apply. An annual condition limit applies to some policies. Claim for reimbursement. Information is general. Please read and consider the relevant Policy Booklet (containing the Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide) before purchasing for specific details of the policy’s inclusions and exclusions based on your selected level of cover.

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