Compare funeral insurance

Funeral insurance provides a lump-sum payment to your loved ones when you die. This payment is designed to help pay for your funeral costs and settle any other outstanding expenses, bills, and accounts. Choosi offers a range of funeral insurance policies from trusted brands, offering benefits from $3,000 up to $15,000.

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Australian funeral insurance comparison

Compare funeral insurance products

There are heaps of funeral insurance providers on the market, but our job is to help you find the one policy that’s right for you and your family! We help you compare a range of funeral insurance policies according to your individual needs, from adding optional benefits, to your chosen cover amount. Choosi lets you separate the good from the bad to make sure your family will be in safe hands when dealing with funeral expenses. Check out our side-by-side comparison below to get started.

Brand	Age eligibility	Minimum cover	Maximum cover	Levelled premiums	Expiry age	Single or joint plan	Feature
Seniors Funeral Insurance	Age eligibility 18 – 79	Minimum cover $3,000	Maximum cover $15,000	Levelled premiums	Expiry age 100	Single or joint plan	Feature Free ongoing subscription to DARE magazine for inforce policies FREE QUOTE COMPARISON
Guardian Funeral Insurance	Age eligibility 18 – 79	Minimum cover $3,000	Maximum cover $15,000	Levelled premiums	Expiry age 100	Single or joint plan	Feature FREE QUOTE COMPARISON
Real Funeral Cover	Age eligibility 18 – 79	Minimum cover $3,000	Maximum cover $15,000	Levelled premiums	Expiry age 100	Single or joint plan	Feature Get back 10% of premiums paid in your first year of cover with The Real Reward™ FREE QUOTE COMPARISON

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Funeral insurance from brands you can trust

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Why use Choosi for your funeral insurance comparison?

Choosi makes finding funeral insurance easy.

When you compare funeral insurance policies with Choosi, we’ll help you to find the perfect fit for you and your family. Our team of Choosers can help you compare a range of policies with features and benefits that suit, so you can choose the policy that’s right for you. Once you find a policy that works for you, you can apply instantly with no added cost. It’s our way of helping you rest easy knowing your loved ones will have a helping hand during a hard time.

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Choosi Price Guarantee

You won’t pay any extra for funeral insurance when you buy through Choosi. If you find the same policy for less within 30 days of purchase, we’ll refund the difference in your first-year premiums and give you a $100 gift card! Terms and conditions apply.

Award-winning service

We’ll let our happy customers do the talking. We’ve been rated as a Platinum Trusted Service Provider on Feefo for helping countless people just like you. To see for yourself, chat to our friendly team of Choosers and we’ll take care of the rest.

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Flexible benefits

While funeral insurance is designed to help with funeral and other end-of-life expenses, the money can be used however your nominated beneficiary sees fit—to pay for travel expenses or legal fees, for example. The benefit is a lump-sum only and doesn't provide any funeral, burial, or cremation services.

Learn more about funeral insurance

Choosing insurance can be complicated and confusing. These clear, simple articles provide general information to help you understand more about funeral insurance, how it works, and the benefits it offers.

What's funeral insurance?

Funeral insurance is a policy that pays a lump-sum amount to your loved ones when you die. The funds will be paid into your nominated beneficiary’s account, which they can use to cover your funeral or other final expenses.

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5 things to know about funeral insurance

There are many different cover options to choose from, so it’s a good idea to spend some time thinking about what kind of funeral insurance plans would best suit your needs and budget.

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Funeral insurance explained

Every Australian resident aged between 18 and 79 can apply to get funeral insurance with Choosi. Funeral insurance policies available directly through Choosi offer benefit amounts from $3,000 up to $15,000.

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Find out where you stand with your savings

Use our handy tool to see how your financial situation stacks up against other people in your generation/age group, according to the 2019 Choosi Dollar Report.

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Frequently Asked Questions (FAQs)

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How does funeral insurance work?

Funerals can cost thousands of dollars and some people find they just aren’t financially prepared to pay for such an unexpected expense. Funeral insurance can help cover the cost of your funeral by paying a lump-sum of your chosen benefit amount to your loved ones when you die. While it’s called ‘funeral insurance’, your family can choose to spend the payout as they see fit, so it could also be used to cover the cost of settling your affairs or other final end-of-life expenses. You can choose a single or joint policy so you can also cover your partner at the time of your application.

How much funeral insurance is enough?

The amount of cover you choose will depend on your personal circumstances and what type of funeral you want. Do you want a simple no-frills funeral, something more elaborate to commemorate the end of your fabulous life, or a run-of-the-mill funeral that’s neither simple nor fancy? It’s important to decide on this first as the differences in cost of each type of funeral can be in the thousands. You may also want to consider any other final expenses that your family may need to meet after you’re gone.

Who can apply for funeral insurance?

For funeral insurance policies directly available through Choosi, you must be an Australian resident aged between 18 and 79 years to apply.

Do I need a medical check-up or blood test to take out funeral insurance?

Some insurance policies may need you to have a medical check-up and blood tests, but this isn’t required for policies available directly through Choosi. As long as you’re an Australian resident aged between 18 and 79 years old, you’re guaranteed acceptance.

Can I take out cover for my partner?

Yes, you can take out a policy on behalf of your partner, but you won’t be able to nominate yourself to receive the benefit. You can also include your partner on your policy if joint cover is available as an option.