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Guardian Insurance

Guardian Insurance empowers Australian families to take control of their insurance needs by providing a wide range of personal insurance products including life, funeral and pet insurance.

Guardian Funeral Insurance

Guardian Funeral Insurance is a simple but effective way to help your family manage the immediate expenses following your death. It can help pay for things like funeral costs, bills, and other outstanding expenses. Your loved ones receive the payment as a lump-sum, generally tax-free, and without unnecessary delay.

The benefits of choosing Guardian Funeral Insurance are:

  • Australian residents aged 18 to 79 are guaranteed acceptance
  • Choose cover from $3,000 up to $15,000
  • No medical or health questions to answer
  • Three times the insurance benefit paid in the event of accidental death
  • 100% funeral insurance benefit paid in advance if you’re diagnosed with a terminal illness (with 12 months or less to live) after holding the policy for one year
  • 30-day money back guarantee
  • Automatic cover for accidental serious injury at no extra cost
  • Your premiums won’t increase each year
  • No premiums payable after you reach age 85
  • After age 85, you can choose to cancel your policy and get the early cash payout option to receive 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 100
  • Free will kit included with your policy

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Some things you should know

Please note cover is only for accidental death and accidental serious injury in the first 12 months of your policy. 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. Accidental serious injury cover expires on the policy anniversary after your 75th birthday. The premiums may change if you make changes to your policy or if the underlying premium rates are changed for all policy holders.


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