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, income protection and final expenses insurance.

Guardian Final Expenses Insurance is a good way to help your family manage the immediate expenses of your death. It covers 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.

With Guardian it is easy to obtain final expenses insurance, plus you have the option to add on Accidental Serious Injury Insurance.

Hannover Life Re of Australasia is a wholly-owned subsidiary of Hannover Re, one of the world’s leading global life reinsurance groups.


Guardian Final Expenses Insurance

  • Guaranteed acceptance for all Australian residents aged 18 to 79
  • Select a benefit amount from $3,000 - $15,000
  • Receive triple the benefit amount in the event of Accidental Death
  • No medical or blood test required
  • No intrusive health questions or complicated forms to complete
  • Premiums stop at age 90 with cover continuing for life
  • 30 day money back guarantee

Some things you should know:

  • Cover is for Accidental Death only in the first 12 months, then death by any cause thereafter.
  • The Benefit Amount automatically increases by 5% annually with a corresponding increasing premium but you can choose to decline this increase, and keep your Benefit Amount level.
  • In addition, if you have selected the age-based premium option, your premium rate will increase on each Policy Anniversary if the oldest Life Insured on the Policy is aged between 44 and 80. While the oldest Life Insured on the Policy is younger than 44, or older than 79, your premium rate won’t increase due to age.
  • If you hold your Policy for an extended period of time it is possible that you pay more in premiums than the Benefit Amount.
  • If your Policy is cancelled and cover ends, no Benefit Amount is payable, and there are no premium refunds after the cooling off period.