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Funeral Insurance Coverage

Funeral Insurance is a designed to cover and lesson your loved ones burden on the costs when you pass away. 


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What is Funeral Insurance?

Funeral Insurance is a plan designed to help ease the financial burden on your family when the times comes.
When a loved one passes away, families must make many important arrangements while coping with grief. Funeral expenses and other unexpected costs can add pressure during an already difficult time.
With Funeral Insurance, you can help provide your family with financial support - so they can focus on honouring your life and being together, rather than worrying about immediate expenses.
 

What are the final expenses

that need to be covered?

The largest single "final expense" will often be your funeral arrangement. However, a policy may also provide

the immediate cash benefit for:

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How Much Funeral Insurance coverage do i need?

The right amount of Funeral Insurance depends on the farewell you want and the financial support you wish to leave for your loved ones.

A funeral involves more than the core service. Families may also need to pay for a parlour, columbarium niche, ancestral tablet, obituary notice, flowers, catering, religious services, transport, and other arrangements. These costs can add up quickly—especially when decisions must be made within a short time.

As a guide, start with the estimated cost of your preferred funeral service, then include:

  • Additional funeral and memorial arrangements

  • Outstanding immediate household expenses

  • A contingency amount for price increases and unexpected needs

  • Any financial gift or support you would like to leave for your family

Based on today’s estimated funeral costs of about $16,800 including GST, more comprehensive arrangements may range from approximately $18,000 to $30,000 or more, depending on personal, religious, and family preferences.

Virtue Paradise recommends considering Funeral Insurance coverage of at least $30,000. This can help reduce the financial pressure on your loved ones, so they can focus on honouring your life rather than managing urgent expenses.

This is a general guide only. Actual funeral costs, policy benefits, eligibility, premiums, exclusions, and terms vary. Please review the policy details and speak with a licensed representative to determine whether the coverage is suitable for your needs.

"Easy Application, Meaningful Protection"

  • Simple Application: Start with a straightforward application and minimal health questions, subject to assessment and approval.

  • Protection tailored for life's later needs: Coverage is designed to help with funeral-related expenses and the financial burden your loved ones may face. Terms, Conditions, and Exclusions apply.

  • Affordable when you plan early: Available for eligible applicants aged 1 to 65. Purchasing earlier may help you secure lower premiums. Only a 10-year premium-payment option and enjoy coverage up to age 100, subject to policy terms.

  • A smoother Approval journey: Virtue Paradise team is here to guide you through every step, making the process clear, personal, and hassle-free.

  • Support when your family needs it most: When the time comes, your family can submit the required claim documents, including the death certificate. Virtue Paradise will provide caring support throughout the claims process and help coordinate funeral arrangements and columbarium needs through our one-stop platform.

  • More than insurance: Virtue Paradise brings together protection, funeral planning, memorial services, obituaries, and marketplace support - helping your family make informed decisions with greater confidence. 

Protect your family today. Give them the space to grieve, remember, and honour your life with peace of mind.

Policy issuance, benefits, eligibility, premiums, claims, exclusions, and coverage duration are subject to the insurer’s underwriting requirements and policy terms. Please review the full policy documents and review with our licensed representative before purchasing.

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Give Peace Today,

Spare Heartache Tomorrow...

Pre-planning lets you make important decisions in advance - especially for funeral and end-of-life wishes. It's not just practical; it's one of the most caring gifts you can give your family.

Here's Why:

  1. Lifts emotional burden

    • Spared your loved ones from difficult decisions during grief.

  2. Guarantees your wishes are honored

    • No guessing - your choices are clearly known and respected.

  3. Protect against rising costs

    • Lock in today's prices for funeral, memorial, or columbarium services.

  4. Prevents family disagreements

    • Clear plans leave no room for conflict.

At what age should someone purchase a funeral insurance policy?

The sooner the better, and the sooner the cheaper. Funeral Insurance policy premiums go up in price the older you are at the time that you first put the policy in place. Insurers typically offer policies to those between 01 - 65 years old only.
Virtue Paradise believes in Returning to Society and provides an installment plan for your pre-planning after-death journey, covering with NO LIMIT on age, as coffins are meant for the dead and are not based on age. 

Do I have to answer health questions to qualify for a policy?

Basic Health declarations are required. There are both "health Underwritten" policies and "Guaranteed Issue" Policies. If you have a positive health history is beneficial to complete the health underwriting, as this will ensure your death benefit goes into effect immediately upon approval and will give access to the lowest-priced policies.

What is Involved with applying for a policy?

"Health Underwritten" [policy requires some basic health questions to be answered and often a brief form to fill up, this entire approval process is simplified and streamlined for you by our team.


How long does it take to get a policy?

A Medically underwritten, or traditional funeral policy will typically take about 90 days from the application date to the policy being ready to be placed in force.

However, with VP now offers instant approvals in 7 days that will allow you to immediately have the peace of mind that you have been approved.

Why should I get my policy from Virtue Paradise?
One Solution, Complete Peace of Mind.

**Best Prices, Best Services.** Our organization specializes in one-stop funeral services with insurance coverage, ensuring a hassle-free experience for your loved ones.

 

Virtue Paradise Consultation is your go-to online marketplace for funeral coverage and price comparisons. We provide transparency to help you understand your options and find competitive plans easily, along with a streamlined application process.


Remember: accidents can happen, and we can’t predict when someone may pass away. 

Prepare today to protect against rising costs. Sign up now!

Pre-Planning isn't about Goodbye. It's about Love, Clarity, and Peace of Mind.


Insurance Coverage Below 65 Years

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Installment Coverage Above 65 Years

Get Virtue Paradise Plan when you don't meet the insurance criteria for age and medical conditions 

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