What happens if I die within the first year after taking out my funeral insurance?

For the first 12 months after you take out your funeral insurance policy (or after a reinstatement of the policy or an increase in the cover (but only in respect of the increase)), you are only covered for accidental death. Accidental death means if you die, within three months, from bodily injury caused by accidental, external means.

If you die for any other reason during the first 12 months, other than suicide, the insurer will completely refund all the premiums you have paid.

After 12 months you are covered for death by any cause.

1300 Insurance Ezicover Life Insurance is issued by Zurich Australia Limited (Zurich) ABN 92 000 010 195 AFSL 232510 of 5 Blue Street, North Sydney, NSW 2060. This information is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider these factors and the relevant product disclosure statement (PDS), which contains details of conditions, limits and exclusions of cover, before making a decision regarding the product. 1300 Insurance is an Authorised Representative of Bombora Advice Pty Ltd (ABN 40 156 250 565 AFSL Number 439065), of Level 2, 406 Collins Street, Melbourne VIC 3000. 1300 Insurance promotes this product and if you buy an Ezicover policy, Bombora Advice Pty Ltd will receive a commission from Zurich of up to seventy percent (plus GST) of your insurance premium. This is then passed onto 1300 Insurance. This amount is paid by Zurich and is not an additional cost to you. Details of remuneration received by 1300 Insurance can be found in their Financial Services Guide.