APS membership

When you sign up for an APS membership, you are joining a member owned co-operative that has built trust and provided security to members for over 110 years. APS offers funeral benefits and many other personal and financial services that aim to help protect your financial wellbeing. We have over 30,000 members and clients Australia wide who are benefiting from APS services.

APS membership – funeral benefits

All members receive a funeral benefit for life. This means that when you pass away, your funeral benefit is paid to your nominated beneficiary. By having a funeral benefit, you are taking away the burden of your funeral costs from your loved ones. The process is made easy for them with your benefit generally being paid to your nominated beneficiary within 24 hours. The APS team is well aware that this is a difficult time for your loved ones, so we make our process as seamless as possible. Funeral cover is available to anyone with no medical checks required and it is free once a member turns 70 years of age.

You are joining a profit for members co-operative


As a member-owned co-operative, we want the best for you and your family. We are a profit for members organisation, so our annual surplus is generally returned to members by increasing their funeral benefit. This means that your funeral benefit will grow over time. This increase may be more than what you pay as a membership subscription. That’s one of the advantages of a profit for members co-operative. As a result, you will feel confident that your benefit is in a safe place.

Exclusive access to APS services


Your APS membership also allows you to gain exclusive access to our personal loans service. Long-serving members are even rewarded with reduced interest rates. You can learn more about APS loans here. As an APS member, you are entitled to use all of our well-priced products and services. We offer services including Tax and Accounting, Wills and Estates, Financial Planning, high-interest Savings and much more. APS members can essentially satisfy all of their financial services needs in one place!

Get in touch to learn more about how you can benefit from an APS membership or apply now.

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