Funeral Benefits
Funeral Benefits
Make sure your family and loved ones are financially protected by planning ahead for funeral costs.
Features & Benefits
How it Works
FAQs
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Enjoy peace of mind with APS funeral benefits
When you choose APS Funeral Benefits, you’re not just purchasing funeral insurance; you’re giving your family confidence in managing the costs that come with organising your funeral. With APS, you get greater security and peace of mind, thanks to our unique benefits that go beyond traditional funeral insurance products.
What is APS membership?
When you take out a funeral benefit with APS, you automatically become a member of the APS Benefits Group. This membership is much more than access to funeral cover. You’re joining a profit-for-member organisation that exists solely to support its members — not external shareholders. That means any profits we make are reinvested into member benefits, including the opportunity to receive annual bonuses on your funeral cover*.
But it doesn’t stop there. APS members enjoy access to more than 25 financial, legal and personal services, all under one roof. From online wills and estate planning to personal loans and tax help, our expert team of 20+ specialists are here to support you at every stage of life.
Whether you’re planning ahead or managing the day-to-day, APS membership gives you a trusted team to turn to.
Funeral insurance features and benefits
Profit-for-member perks
APS Funeral Benefits goes beyond standard funeral insurance because you get to enjoy the security of being part of a profit-for-member organisation. This means that your funeral benefit grows alongside you, with organisational profits added to members’ funeral benefits in the form of annual bonuses*. Whilst bonuses are not guaranteed to be paid at all, and are at the discretion of the organisation, they have been added to members’ funeral benefits in each of the past 20 years.
Instead of paying expensive and increasing fees for most of your life, you will pay a set membership fee until you turn 70 when you will enjoy free funeral insurance, with no premium payable from thereon. So you know exactly how much you will pay and it will always be less than the benefit your loved ones will receive.
Credibility in the industry
We have been operating for more than 120 years and in that time we have paid out funeral benefits to more than 10,000 Australian families. Every week, we receive glowing feedback from members and their families who are thankful for our caring and trusted support. APS Funeral Benefits is not just funeral insurance; it’s a promise of security, flexibility, and immediate peace of mind when your family needs it most.
Immediate financial assistance
Unlike many funeral insurance plans that can take days, weeks or months to process payments, with APS Funeral Benefits your beneficiary will receive your benefit within 24 hours. This prompt support means that your family has immediate access to funds when they need them the most. Our friendly team is here to guide your family in making the process as quick and seamless as possible, so they can focus on what truly matters.
How does it work?
1. Become an APS member
The amount of funeral insurance you receive depends on your age when you join. Refer to the benefit table below to find your level of cover. If you are turning 50 next birthday, for example, your insurance will start at $6,200. If you would like more, you can always add additional cover.
2. Membership fees
The current fee is $9.60 per fortnight ($249.60 p.a.). This fee will never increase and it is only payable to age 70, after which your membership is free. So, in the example above, the 50 year old next birthday will pay fees for 20 years of $249.60 = $4,992 in total fees, if they pass away after age 70. This is less than their initial funeral benefit of $6,200.
3. Access your funds
Your nominated beneficiary will notify us of your passing and they will receive your funeral benefit within 24 hours of notification. During this difficult time, our caring team is here to help your loved ones by making the process as quick and seamless as possible.
Find your level of cover
Age at your next birthday (Total funeral benefit)
17–30 ($15,000)
31 ($14,600)
32 ($14,100)
33 ($13,600)
34 ($13,100)
35 ($12,600)
36 ($12,100)
37 ($11,600)
38 ($11,100)
39 ($10,700)
40 ($10,200)
41 ($9,800)
42 ($9,400)
43 ($8,900)
44 ($8,500)
45 ($8,100)
46 ($7,700)
47 ($7,300)
48 ($6,900)
49 ($6,600)
50 ($6,200)
51 ($5,800)
52 ($5,500)
53 ($5,100)
54 ($4,800)
55 ($4,500)
56 ($4,100)
57 ($3,800)
58 ($3,500)
59 ($3,200)
60 ($2,900)
61 ($2,600)
62 ($2,300)
63 ($2,000)
64 ($1,700)
65 ($1,400)
66-85 (lump sum on application)
Dependant child cover
Age at your next birthday (Total funeral benefit)
2-25
$7000
*If you will be over 65 at your next birthday and are not an existing member. You can become a member and get a funeral benefit. Premiums are only payable to age 70 for existing members and then your cover is free. Premiums are fixed and won’t increase. Your funeral benefit will generally be paid to your nominated beneficiary within 24 hours of us being advised of your passing. Your funeral benefit will never decrease, but it may increase with the bonuses that we allocate to you from our surplus funds.
Join the APS community
When you sign up for a funeral benefit with APS, you’re becoming a member of our loyal community. Life’s big moments come with big financial decisions, and that’s why we’re here. APS Benefits Group began over 120 years ago as a funeral benefit fund for public service workers (that’s where ‘APS’ comes from). Today, we’ve grown to support not just public servants, but all Australians – helping over 26,000 members nationwide with a peace of mind funeral benefit and access to more than 25 other financial services, including loans, investments, tax, wills and estate planning, legal services, and financial advice. With a team of 20+ specialised experts working together, we provide seamless support across all areas of your financial life, so you and your family always have the guidance you need. As we’ve grown, our commitment to genuine customer service and friendly support has never changed. Life and money can be messy but with the right team by your side, you’ll always have confidence in what lies ahead.
Understanding funeral insurance
Who is funeral insurance for?
Anything can happen at any time which is why we offer funeral insurance at any age. At APS, anyone over the age of one can apply for funeral insurance.
How much can I receive from funeral insurance?
Your funeral benefit can be purchased to a maximum of $20,000 for adult cover and $7000 for child cover. If you require additional cover, you can also pay an additional fee.
What does funeral insurance cover?
Funeral insurance typically covers expenses such as funeral director fees, burial or cremation costs, transportation of the deceased, ceremony expenses and memorial services. If your funeral benefit is worth more than what your family needs for your funeral, the funds will be left with your loved ones to use as they wish.
How much does a funeral cost?
Funeral costs can vary significantly, but in Australia, the average funeral can range from $4,000 to $20,000. These costs include services, burial or cremation fees, and other associated expenses. Having funeral insurance helps manage these costs, so your family doesn’t have to worry.
Why do I need funeral insurance?
Funeral insurance is a crucial part of life planning. It provides peace of mind knowing that your funeral expenses are covered, allowing your family to focus on honouring your memory rather than worrying about costs. It also ensures that you can have the type of funeral you desire, reflecting your wishes and providing comfort to your loved ones.
Apply for additional funeral cover
For extra cover, you can pay a lump sum or increase your membership fees up to a maximum benefit value of $20,000.
Make the most of our other financial services
As well as enjoying a peace of mind Funeral Benefit with APS, please make the most of our other financial services.
Online Wills
Having a will in place provides you with peace of mind and less hassle for your loved ones. With APS Online Wills, it’s never been easier to protect what matters most.
Estate Planning
Estate planning is more than just making a will. It’s about designating a power of attorney, planning for probate, and managing all your assets including property and investments.
Life Insurance
Protect what truly matters in your life. Have greater peace of mind that
your loved ones will
have a financial safety net, should the unexpected happen.
Income Protection
Protect your income if you’re unable to work due to an accident or sickness. Income protection insurance replaces lost income if you’re unable to work.
*bonuses are not guaranteed and are dependent on the profitability of the organisation. You should refer to the Product Disclosure Statement (PDS)/ Financial Services Guide (FSG) and to the Target Market Determination (TMD) on the website before deciding if this product is right for you.
Join over 30,000 members Australia wide
“I can not thank you enough for your compassion and understanding in the handling and payment of my brother’s funeral benefit.”
Paul
“Thank you for the almost instant response in forwarding my mother a cheque to cover the funeral benefit. Your service was outstanding.”
Adam
“Thank you for the efficient manner in which you dealt with my funeral benefit. Once again, APS has proved to be very reliable and professional.”
Alice
“Very professional and caring. Quick and easy process for my father’s funeral plan payment. Thank you Kathy for your assistance at this sad and emotional time.“
Helen
We’re here to help you
Reach us from 9:00am until 5:00pm weekdays
FAQs
How much funeral cover will I receive?
You can choose the cover you need up to $20,000. Your membership fees are only payable to age 70, the younger you are the higher your benefit will be. If you require additional cover, you can pay an additional fee.
Can I increase my funeral benefit?
You may increase your funeral benefit at any time up to a maximum of $20,000. Please complete the Application for Additional Cover form or contact us for more details.
Who receives my benefit when I pass?
When you join, you will be asked to nominate a beneficiary. You can update your nominated beneficiary at any time and will be reminded of your beneficiary each year.
What happens to my Funeral Benefit when I die?
Your funeral benefit is paid to your nominated beneficiary generally within 24 hours of advice
of your death. Please ensure your nominated beneficiary knows that all they have to do is
call us on 1300 131 809 or email us at info@apsbenefitsgroup.com.au to organise payment of your benefit after your passing. It is important to change your beneficiary if your circumstances change.
Can anyone be covered for funeral cover?
Anyone over the age of 1 can join APS Benefits. Unlike some other organisations, once you become a member of the APS Benefits Group you can remain a member for life which means the funeral benefit is paid regardless of age. Once you reach 70 years of age your membership fees are waived whilst retaining full membership and full funeral cover, and you continue earning an annual bonus.
What if I decide to leave the APS Benefits Group?
You can cease your membership and your funeral benefit at any time. Please call us to discuss your options on 1300 131 809.