Why choose HBF Funeral cover?

  • Tailored cover

    You can tailor your cover to suit your lifestyle and budget. Get cover between $5,000 and $15,000

  • Guaranteed premium

    Your premium will not change as you get older, other than for any increase in government taxes and charges. Plus, you will never pay more than the sum insured

  • Guaranteed acceptance

    Guaranteed acceptance for cover if you’re an Australian resident between 35 to 70 years of age

  • Worldwide cover 24/7

    You’ll be covered wherever you are in the world, 24 hours a day, 7 days a week

  • No medical required

    Generally, you won’t need a medical to take out cover

  • 1st month for $0

    Your first month’s premium is waived

Funeral Advantage Product FAQs

HBF Ezicover Funeral Advantage pays a lump sum in the event of death. It helps cover the cost of your funeral and other expenses so your loved ones have financial assistance during a difficult time.

Cover is only provided for Accidental death in the first 12 months from the commencement of cover or the latest reinstatement of cover. After that, cover is provided for death by any cause.

If you pass away within 12 months of the commencement date of the policy and your death is not a result of an Accidental death or by suicide, all premiums paid will be refunded.

There are certain events or conditions that are not covered - these are called ‘exclusions’.

With HBF Ezicover Funeral Advantage a benefit will not be paid where death is a result of suicide within 12 months of the commencement date of the policy, increase in cover (only in respect of the increase) or the latest reinstatement of cover.

In addition to this, cover is also only provided for Accidental death in the first 12 months from the commencement of cover or the latest reinstatement of cover. After that, cover is provided for death by any cause.

HBF Ezicover Funeral Advantage provides a lump sum payout in the event of death. It is paid to your estate, a nominated beneficiary or another person acceptable to Zurich.

A lump sum payment will be paid based on the cover amount you choose.

With HBF Ezicover Funeral Advantage you can choose cover from $5,000 up to $15,000 in $1,000 increments.

HBF Ezicover Funeral Advantage starts when your application is accepted and your are issued a Policy schedule, and will end on the first day any of the following events occur:

  • Payment of the Funeral benefit
  • You don’t pay your premium (generally, you have until 30 days after it was due)
  • You cancel your policy
  • You pass away in circumstances that do not qualify for a benefit

In most cases, you cannot claim a tax deduction for the premiums you pay for your funeral insurance policy. Any benefit received is usually tax free.

This is a guide only and is based on current taxation laws. For more information about your individual circumstances, it’s best to speak to your tax adviser.