Insuranceline Funeral Insurance

People believe they are buying a policy that matures – I read the complaints about people losing years and years worth of payments because their policy was changed or updated. These people have the wrong type of insurance with the wrong type of business. They need a whole of life cover where what they pay into it adds value to what they get out of it when the policy matures. Insurance line, TAL and… Read more

others are like pay as you go. You're insured for an amount only while the payment is made for that month. You lose everything else paid prior to that. At a certain age the cover will stop and that is the finish, there is no payout. Why do people not read their paperwork? This type of cover is similiar to house or car insurance. You pay and your covered. When you stop paying you are not covered. I've been with Insurance Line for 15 years I have 3 types of policies. I have the beneficiaries listed for all of them. They are quick to answer their phones. They are quick to accept a deferred payment. I have found them to be very professional.

Absolutely no problems at all – From my first call to this company until the benefit was paid, I was 100% impressed with Insuranceline's service. Not once did I have to speak to anyone from an overseas call centre who barely spoke English (rare these days), they took my calls quickly without a lengthy wait time and when the payment bounced back to their account (incorrect… Read more

account number) they sorted it quickly and without any dramas. I also really liked the little touch of a delivery of flowers to my house (they were REALLY nice flowers, just saying). The reviews from others about not getting back what they'd paid in premiums, lol, hello, that's not how insurance works and is a bit unfair.

I know funeral insurance often gets a bad rap, but this company in my opinion, are doing funeral insurance well. Thanks Insuranceline for making a really sad time a little better.

Funeral insurance – Paid within 48 hours , fast and easy . Was also sent flowers and a card. Only had the insurance for 15 months , opted for extra cover all recievd in full. Happy with my insurance Show details

Please check the fine print as when you paid for your policy they will keep taking your money till the day you die please think again before you take out a policy with this company Show details

Dont count on them!! – DO NOT GO THROUGH THIS POXY RIP OFF COMPANY! If I could rate this company no stars, bet your “life” I would!!! They will do everything in there power to get out of paying a claim. My poor mother paid into this company for nearly 10years, thinking she was doing the right thing for her kids and grand babies. Mum wasn’t a sick person, she never had… Read more

much. She would borrow money or go without to pay into this company so she wouldn’t leave behind any funeral expense or bills to us kids… My mum suddenly and unexpectedly passed away from a haemorrhage. She had a bleed in the stomach which tried to travel back through her liver causing her liver to become toxic. Point stated - she passed due to the haemorrhage not the liver function… prior to this my mother had a fatty liver. Due to this, my mums life insurance wasn’t granted because they assume that the fatty liver is a contribution and the cause of death(false allegation). As if this time of grief and trauma isn’t stressful and hurtful enough without the extra emotion of knowing your mum had just wasted the little or no money she had investing into this company all for nothing but disappointment and false hope. Not to mention losing both parents just under a month apart. Just devastating for us girls and a disappointing outcome for us and my mums efforts. So please, don’t waste your time or money. Warn your friends, warn your family, heck tell your enemies… wouldn’t wish this company and experience on anyone. Took the company 3 months to come up with the decision. Extended time waits as they had to keep investigating more and more to find something and some way to get out of paying the claim. I’d describe the company as - “Over priced and never paid”. Heart broken is an understatement. Ripped off Is the outcome.

At a loss – I have been with this company 2010. I set it up so that I could leave an inheritance to my children and they would also have money to cover my funeral expenses. The price did keep going up until I could no longer afford it so I rang to ask them if I was able to change it to funeral only, but may have been miscommunication, as out pay was lowered… Read more

along with the payments, which do go up every year, but still class as life insurance not funeral benefit. My main problem is, that I have noticed another insurance company will pay you the amount if you reach your 81st birthday, but with Insuranceline, you have reached your limit, you get nothing back and the money goes towards other people's insurance benefits. This is what I was told a few years back, when speaking to a consultant. The only reason I'm still with them is because either way, it is dead money and neither myself or my family will see the money if I am still around on my 81st birthday. Please research actual pay outs before joining a life insurance company.

On notifying the company of our mothers passing we received the following day a beautiful bunch of flowers and a condolance card. The claim against her funeral plan was settled within two days. An incredible and thoughtful service at a very difficult time, thank you Show details

This is a terrible company with very low ethical standards – This company changed the beneficiary of a funeral insurance policy via the phone without checking anything and now the family of the deceased (holder of the policy) cannot use the policy (paid over ~9 years) to fund his funeral. The reasons for a change should be thoroughly investigated, challenged, checked and recorded then re-confirmed. The change of beneficiary should also be investigated...because this person seems to have done this before! Show details

No Help To The Grieving Process – My sister had a terrible experience through dealing with the insurance line red tape. Already under stress, this company seemed to make things harder. She paid for the funeral costs of our mother, out of her own pocket and some weeks later is still awaiting their settlement. Show details

They will rip you off, – been with insurance line for a very long time, now my husband turned 68 they canceld the policy, I'm so disgusted with them. be warned don't go with this company. Show details

Biggest rip off company – This company pray on the elderly my mother has been paying for her funeral insurance the last 10+ years and they have bumped her premium up to nearly $200 a month...how do they expect elderly citizens on pension to pay this kind of premium on a monthly basis? Total waste of time and money with these guys very unprofessional service!!!! Show details

Absolute and Total Rip-off, they shouldn't be in business!!!! – I am a 71-year-old single male Pensioner and I've been paying for my Funeral Insurance Policy since 2007 with Insuranceline, which is now over 14 years, which equates to over $20k that I have already paid, so if I died tomorrow I would virtually only get back what I have already paid, please understand that it doesn't cost anywhere near that… Read more

amount for a funeral that I have already paid in!! I have contacted the Insuranceline office several times and the Staff are unqualified; they lack understanding and Professionalism for the positions that they represent. Insuranceline doesn’t offer in any way, discounts, or reductions on payments as you become older, and they want you to keep paying until you are in your 80’s, in my case means that I would have paid over $40k to pay for a $5k funeral, this company lacks understand, their behaviour is disgusting. Insranceline Funeral Insurance should be de-registered. Also, the Accidental Death Period is for 12 months only, from the beginning of your policy, absolutely disgusting!!!

Extremely disappointing service – This company promises the world and delivers nothing. Customer service is poor. Would not recommend anyone using this company. They do not do what they say they will do. There are better companies that offer a better service. Show details

advice not given at beginning of service – I was not told that I would have to pay double the amount of the actual cover before I no longer had to pay each fortnight. I am 84 and I have already paid more than the cover,I was told I would have to keep paying until I am 88! Now with later policies they have a plan where you can receive 120% after it reaches maturity.But not in my case,most unfair. It means if I live till 88 I would have paid more than double my policy,outrageous Show details

Took me for $7000 dollars – I had a funeral policy with this company saw an advertisement for a better deal approached insurance line they said of course I could have that too if I paid a bit more but then i found out they took my 7000$ and put me right back at start as if I hadn’t paid anything. So advise stay away from insurance line. Show details

Ripppp offf Big TIME!!!!! – I have my bank account details correctly and I have a hard time paying my plan. I try and cancel.told me no refund.as I can't no longer afford it GO TO HELL!!!!! Show details

Sending us broke – Requested certain information re the original sales conversation, was promised a transcript months ago and yet not receuved( queried how long would we be paying and told into our 90s Show details

Stay away at all cost – Stay the hell away from insurance line I signed up in 2011 I was 18 signed up for life insurance for 300,000 was paying $8 fortnight OK then went a dollar and couple cents every year OK I can deal with that December 2019 my payments where $14.63 OK still fine January 2020 my payments a fortnight was now $45.63 yes $45.63 and the insured amount… Read more

dropped to only 109,000 without any warning or and notice of this at all I canceled the day I say the $45 taken out of my bank account and called choosi who was able to fine me now at 26 $12.74 a fortnight for 400,000 and the best part is the money I pay is capped not to change until I reach the age of 33 insuranceline is the biggest rip off of them all be warned

Disgraceful – I phoned InsuranceLine Funeral Insurance today to try to reduce premium payments for my grandmother who has gone into nursing home for dementia. She has been paying InsuranceLine for almost 20 years with her total payments being over $20,000. Her funeral policy benefit amount is only for $11,000. She is now unable to continue paying her monthly… Read more

premiums of $168.00 as she requires higher care and is on an aged pension.

We simply stated we would like to reduce her premiums if at all possible considering she is unable to pay this amount and she has been such a long term customer for them. Plus, surely there is no risk with this policy considering she has almost paid double the amount of the policy itself. I was met with a script about terms and conditions and that they could not help (and most definitely did not want to.) These people are preying on the old. They continue to increase the policy amount until they can no longer afford them and therefore never have to pay them out! Disgusted!!

Funeral insurance rip off – I took a funeral policy in 2004 as a level policy.In july 2009 insurnce line converted my policy to a stepped policy increasing my premiums from $124.06 to $200,23 in february 2014.When I complained they converted my policy I am now paying $230.63 monthly for a benefit of $9000 for myself and my wife. Do not insure with insuranceline tal or tower… Read more

they will rip you off if you do not pay they cancel all your benefits and you get nothing Asic reported in 2004 on the extensive cancellation of premiums and did nothing to stop the rot I give them minus 10. Now afca has not done any better

Avoid at all costs – Completely took my grandfather for a ride. Paid for over 15 years and they did nothing to help him. Service officer was extremely rude to me and him when we cancelled the poilcy. Do not use these thieves

Lost money – I was a member for 7 years and changed my policy to a no increase premium.So it does not go up each year.BUT they started me a new policy and I lost all of the money I had put into the previous account. Also is it right that they cancel your policy after you turn 69.I had a friend who was 79 and they cancelled his policy because he had only been a member for 2 years and they said he was too old to be a member. Show details

Rapid payment with minimal fuss and documentation – Slightly overpriced but good service at the end when required made up for it. Checking others around and found close in comparison  Show details

Disgusting! – How dare they sending unrequested marketing emails to myself and my wife! Shut them down and hardcore regulate marketing! Advertise on TV, but stay away from emailing and letterboxes! Wish someone would sue all marketing companies for harassment!  Show details

Praying on Elderly – What our grandmother paid verse her claim payout was drastically different, she paid 3 times the amount of money she was entitled to upon death. Thought she was helping her family out. Disgraceful and immoral.  Show details

Claim was easy and stress free – Lodging a claim with these guys after my mums passing was very quick easy and stress free very satisfied and highly recommended  Show details

Taking two payments instead of one since start of policy – Insuranceline took two payments fortnightly from the start date of my funeral cover for what should have been one policy. I got a call from their call centre asking if I'd like extra cover etc... I said ok ... just by chance I got a printed bank statement which showed they had taken the original amount of 39.69 as well as what should have been the… Read more

updated policy of 40.00 I called them today and they admitted it was a error and agreed to refund 119.07 but I said I do not trust them now and insisted they cancel the policy and refund the three payments of both policies...after 1 hour 20 minutes and speaking to three people the best they would offer me was they MIGHT process the refund by the 16th November.. I begged them to refund it today because I'm a pensioner this is in fact my food money for the month .... rude and aggressively delt with by the cancellation team leader , I hung up in despair. Their mistake.... my problem. I asked for a written apology and asked if as an act of goodwill would they give me three months free funeral insurance in order to keep my business....no way .I URGE YOU ALL TO CHECK YOUR BANK STATEMENTS FORTNIGHTLY . HOW MANY OTHER PEOPLE are being cheated by Insuranceline... I went with insuranceline for peace of mind but instead I ended up distressed and out of pocket and no funeral insurance... disgraceful...

I was treated with understanding and respect – Although there was an issue between my father (who held the policy) and InsuranceLine my review will be focused on their claim handling. After notifying InsuranceLine of my father's passing I was informed of the claim process and the required documents to substantiate the claim. Once I was able to obtain a "Cause of Death" certificate I… Read more

submitted it along with proof of ID (mine and my fathers) and they promptly processed the claim. I was treated with understanding and respect.

Making money out of the elderly – My mother since 2000 has had a policy and the amounts keep going up, when I calculated the amount she has paid and what the insurance will pay out upon death someone is making one hell of a lot of money. It would seem that these contracts lock in your money and if you cancel all is lost. I'll be taking this further.  Show details

Total Rip Offs – They are happy to take a pensioners money for 10+ years on the promise that the small premium will never increase but then advise they are going to decrease the insuranced amount by $10,000 & then raise the premium on top of that, & then as soon as you turn 69 they cancel the policy. When questioned the response was 'its cancelled because of… Read more

your age & now you need to shop around for a new policy"

They then expect you to continue paying the premium for the next four weeks for a policy they have advised will be cancelled

Disgusting !!!

Absolutes rip offs !!!

Check your policy thoroughly...

They won't leave you alone – I called to make an enquiry about insurance and even though I said I wasn't interested I have been receiving 10 calls per day from them (and spoken to them 2-3 times per day). Never leave your number with them  Show details

Cannot fault these guys. Paid promptly – Both my mother and father had the funeral insurance with these guys. My mother passed away two years ago and they paid out promptly within a few days and my father passed away only last week and again within 48 hours it was paid out. Also received flowers and condolence card which was a nice surprise.Relieved the huge expenses burden of a funeral from our family in a time of need.  Show details