Frequently Asked Questions

The application process takes between 15 - 30 minutes to complete online.

You can add a beneficiary as part of the application process, or if you'd like to add one later, you can do so by completing the Beneficiary Form on our website, or getting in touch with us. Their details are loaded against your policy so that any payouts are made to them directly. We recommend you put some provisions in place on how you'd like payments to be administered i.e. organising a will, trustee or guardian.

You may be able to, but the terms of your policy may be changed. For instance, a premium loading may apply (this means that your premiums may be more expensive). Any exclusions or premium loadings are made clear to you as part of the application process before making a decision to purchase.

We’ll ask you to answer the questions we need to know now, so that we can be transparent on price and you can tick life insurance off your list more easily. We won’t need you to follow up with further medical information or complete any medical checks - once it’s done, it’s done.

If you have been smoke-free for 12 months, you may be eligible for a premium decrease. Please contact us to discuss your individual situation.

You can take out a Funeral Cover policy for yourself or for another person, such as your parents, spouse, or friends.

You will never be singled out for a premium increase because of your age or health changes, but we do have the right to increase premiums across all Funeral Cover policies issued under the same offer made to you.

The total maximum combined cover we will pay under all Funeral Cover policies is $30,000 for each person insured, which is in addition to any payments made under the Additional Accidental Death Benefit.

If you cancel within the 30 day no-obligation review period, we'll refund any premiums you have paid. If you cancel after this, you won't receive a refund, unless you've paid annually in advance, in which case we'll refund you for any future period already paid for.

A Joint Owner is the person who owns the policy with you. If you choose to have a Joint Owner, they will have joint ownership rights to the policy. This means they will need to consent to any changes to your policy after purchase such as change of address, wanting to increase or decrease the policy value or requesting a premium holiday.

Customers tell us that sometimes financial hardship means they have to think about cancelling their policy.

For this reason we offer a Premium Holiday Benefit to those suffering financial hardship. If you can't reasonably afford your premiums, you can apply to us, and we may be able to put them on hold for a maximum of six months so you don't have to cancel the policy while you get back on your feet. You do NOT need to pay us back. You must be under 65 years of age, and have had the policy in place for 2 years to qualify for this benefit. But please note, you can only have one Premium Holiday across the life of your Funeral Cover insurance policy.

You can add a beneficiary as part of the application process, or if you'd like to add one later, you can do so by completing the Beneficiary Form on our website, or getting in touch with us. Their details are loaded against your policy so that any payouts are made to them directly. We recommend you put some provisions in place on how you'd like payments to be administered i.e. organising a will, trustee or guardian.

It should take around 15 minutes to complete.

Unfortunately, we only pay one Cancer Care Benefit and one Early Stage Cancer Benefit on this policy. This means you won't receive payouts twice, even if you've been diagnosed with a different type of cancer.

Some cancers are considered to be 'early stage cancers' and are not covered for the full amount of cover initially. However, the policy has a $5,000 Early Stage Cancer Benefit to help with the treatment and recovery of these cancers. Should the cancer develop into something more serious then you may be able to claim on the remainder of the cover under the Cancer Care Benefit.

Yes, you can reduce your cover at any time. If you want to increase your cover, please contact us and let us know. Terms and conditions apply to your application when you consider increasing your cover.

The application takes around 15 minutes to complete online.