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Guardian Insurance – Funeral Insurance

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

Guardian Funeral Insurance is a good 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:

  • Guaranteed acceptance for all Australian residents aged 18 to 75
  • Choose cover from $3,000 up to $15,000
  • No medical or health questions to answer
  • Five times the Insurance Benefit paid in the event of Accidental Death
  • 100% Funeral Insurance Benefit paid in advance if you are diagnosed with a Terminal Illness
  • 30 day money back guarantee

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Guardian Platinum Funeral Insurance

Your Guardian Platinum Funeral Insurance policy comes with the Platinum Trust Guarantee. This means:

  • Your premiums will reduce by 5% every 5 years your policy is in force.
  • When you pass away your family will receive your covered amount or all of the premiums you have paid in for your cover – whichever is higher
    OR
    Once you turn 85 you can choose to terminate your cover and receive an Early Cash Payment of 150% of your Funeral Insurance Benefit.
  • From age 90, you will no longer have to pay premiums and your cover will continue for free.

Guardian Gold Funeral Insurance

You can trust that your Gold Funeral Insurance policy comes with the following guarantees:

  • Your premiums will reduce by 5% every 5 years your policy is in force.
  • When you pass away your family will receive your covered amount or 80% of the premiums you have paid in for your cover – whichever is higher
    OR
    Once you turn 85 you can choose to terminate your cover and receive an Early Cash Payment of 100% of your Funeral Insurance Benefit.
  • From age 90, you will no longer have to pay premiums and your cover will continue for free.

Some things you should know

  • Cover is for Accidental Death only in the first 12 months, then death by any cause thereafter.
  • If your policy is cancelled prior to age 85, no benefit amount is payable. There is no refund of premiums after the cooling off period.
  • If you change your cover, your premiums will be affected. If you choose the Early Cash Payout option, you will no longer be eligible to claim and you may receive less than the total premiums you’ve paid into your policy to date.

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