Dignity Insurance
Summary
Dignity Insurance offers simple and compassionate funeral insurance in Australia, providing cash payouts to help families with funeral costs. They are known for their easy claims process and excellent customer service.
Company Overview
Company Overview: Dignity Insurance
Dignity Insurance is dedicated to providing Australians with accessible and reliable funeral insurance solutions. Understanding the financial burden that can accompany the loss of a loved one, they offer a range of policies with cash payouts designed to alleviate funeral costs. Committed to compassionate service, Dignity Insurance emphasizes a simple and efficient claims process, supported by their Australian-based customer service team. As an agent of Hallmark Life Insurance Company Ltd, they leverage a strong foundation to protect over half a million customers globally. Their dedication to customer satisfaction is reflected in their consistent positive ratings and awards, highlighting their trustworthiness and commitment to supporting families during challenging times.
Key Information
- Core Offering: Funeral insurance policies designed to cover funeral expenses.
- Payout Range: Offers cash payouts from $3,000 to $15,000.
- Early Payout: Provides early payout in the event of a terminal illness diagnosis.
- Claims Process: Emphasizes a simple and straightforward claims experience for families.
- Customer Support: Features Australian-based specialists to assist with inquiries and claims.
- Reputation: Holds a Feefo 2025 Gold Trusted Service Award and boasts 'Excellent' ratings on Trustpilot, indicating strong customer satisfaction.
- Global Presence (Indirect): Part of a broader group that protects over 500,000 customers worldwide, suggesting stability and experience.
- Insurer Name: Hallmark Life Insurance Company Ltd (who underwrites the Dignity Insurance products)
- Year Established: (Not explicitly stated on the website)
- Distribution Channel: Direct to Consumer
- Types of Cover Offered (Life Insurance): Funeral Insurance
- Underwriter: Hallmark Life Insurance Company Ltd
- ABN: (This is specific to Hallmark Life Insurance Company Ltd, but not prominently displayed on the Dignity Insurance website)
- AFSL: (This is specific to Hallmark Life Insurance Company Ltd, but not prominently displayed on the Dignity Insurance website)
- AR: Dignity Insurance Pty Ltd operates as an Authorised Representative (AR No. 001298313) of Hallmark Life Insurance Company Limited.
- Application Process: Direct application through the Dignity Insurance website or by phone.
- Through a Financial Adviser: Not a primary distribution channel, the focus is direct to consumer.
- Support Services: Australian-based customer service team, online resources, and claims assistance.
- Financial Strength Rating: TBC
- Headquarters: (The Dignity Insurance website lists a contact address in Australia, but doesn't specify the headquarters of Hallmark Life Insurance Company Ltd)
History and Milestones
Dignity Insurance - Company history and milestones
Dignity Life Insurance is a relatively new entrant to the Australian life insurance market, offering simple and affordable cover designed to make life insurance more accessible to everyday Australians. While it does not have the long legacy of some of the traditional insurers, its streamlined digital approach and emphasis on transparency set it apart.
Key Milestones:
2021 – Launch of Dignity Life Insurance: Dignity Insurance entered the Australian life insurance market with a mission to simplify life insurance for consumers. The brand was built around providing low-cost, fully digital cover with transparent terms and no commissions.
2022 – Product Expansion and Regulatory Registration: Dignity Life Insurance became a registered life insurance company under Australian law, regulated by APRA and ASIC. During this period, the company also broadened its cover options and enhanced product documentation to meet compliance and consumer clarity standards.
2023 – Technology-Led Growth: Dignity invested in technology to deliver a 100% online quote, apply, and bind process — making it one of the few insurers in Australia to offer fully digital life insurance solutions. This innovation was particularly appealing to younger and digitally native consumers.
2024 – Strategic Positioning as a Direct, No-Adviser Life Insurer: The company reinforced its unique market position as a direct-to-consumer life insurer with no middlemen, commissions, or hidden fees. It aimed to increase transparency and affordability, particularly for Australians who might not engage with traditional financial advisers.
2025 – Continued Focus on Simplicity and Affordability: Dignity continues to grow its customer base by offering simple, straightforward life insurance options with cover amounts up to $500,000. Their focus remains on demystifying life insurance, especially for first-time buyers, younger families, and cost-conscious individuals.
Key Strengths
Dignity Insurance - Key Strengths
Dignity Insurance distinguishes itself in the Australian market by providing focused and compassionate funeral insurance solutions. Their core strength lies in simplifying a difficult and often unexpected expense for families, ensuring financial peace of mind during challenging times. This is achieved through clear product offerings, a user-friendly claims process, and a dedicated support system.
Here are the key strengths that underpin Dignity Insurance's value proposition:
- Specialized funeral insurance: They focus solely on funeral insurance, allowing for tailored products and expertise in this specific area.
- simplicity & transparency: Their policies are designed to be easy to understand, avoiding complex jargon and ensuring clarity for customers.
- Streamlined claims process: Dignity Insurance prioritizes a simple and efficient claims experience, minimizing stress for grieving families.
- Local customer support: Their Australian-based support team offers readily accessible and culturally sensitive assistance.
- Strong customer satisfaction: Positive feedback, including the Feefo Gold Trusted Service Award and excellent Trustpilot ratings, indicates a high level of customer satisfaction.
- Early terminal Illness Benefit: The provision of early payouts upon a terminal illness diagnosis offers timely financial support.
- Direct engagement: Their direct-to-consumer model provides convenience and potentially cost-effective solutions.
- Underlying stability: Being part of a larger financial group offers a foundation of financial security and operational experience.
Awards and Recognition
Dignity Insurance - Awards and Recognition
Dignity Insurance's commitment to customer satisfaction and service excellence is reflected in the recognition they have received. These accolades highlight their dedication to providing a positive experience for their customers during sensitive times.
Here are the key awards and recognitions for Dignity Insurance:
- Feefo 2025 Gold Trusted Service Award: This prestigious award from Feefo recognizes Dignity Insurance's consistent delivery of exceptional customer service, based on feedback from verified customers.
- 'Excellent' Trustpilot Ratings: Dignity Insurance is a trading name of Neilson Financial Services Pty Ltd, which is part of the Neilson group of companies. Brands within the Neilson group have consistently received 'Excellent' ratings on Trustpilot, indicating a high level of customer satisfaction across the organization. Dignity Insurance products are underwritten by Hallmark Life Insurance Company Ltd, which is part of the St Andrew's Insurance Group.
Why Choose Dignity Insurance
✓ Cash payout
Choose a cash payout between $3,000 and $15,000, empowering your loved ones with the immediate funds they need to navigate funeral expenses and other urgent costs without financial strain.
✓ Terminal Illness cover
Receive a 100% early payout upon diagnosis of a terminal illness, providing you with the financial freedom to focus on your priorities and make arrangements with comfort and control, free from monetary concerns.
✓ Straightforward claims
Experience a simple and compassionate claims process, where our dedicated Australian-based specialists stand ready to guide your family, ensuring a smooth and stress-free experience
✓ Positive Customer Reputation
Join many satisfied customers who have rated brands within the Neilson group, including Dignity Insurance, as 'Excellent' on Trustpilot, reflecting their commitment to a positive experience.
✓ Direct and Convenient
Deal directly with Dignity Insurance for a streamlined and accessible experience, eliminating unnecessary complexities and putting you in control of securing your family's future.
✓ Award-Winning Service
Benefit from a company recognized for its excellent customer service, as evidenced by the Feefo 2025 Gold Trusted Service Award. You can trust that you and your family will be well-supported.
Features and Benefits
Guaranteed acceptance (for eligible applicants)
Secure coverage without the worry of being declined based on your current health (subject to eligibility criteria).
No medical examinations
Get covered without the need for extensive medical examinations, making the application process more accessible for many individuals.
Backed by a reputable insurer
Your policy is underwritten by Hallmark Life Insurance Company Ltd, a member of the St Andrew's Insurance Group, providing financial security and peace of mind.
Option to increase cover (at certain life stages)
Enjoy the flexibility to potentially increase your coverage amount as your needs evolve.
Portability of cover
Your Dignity Insurance policy remains valid even if you move within Australia.
Benefit paid directly to nominated beneficiary
Ensure that the cash payout goes directly to the person you designate, providing them with immediate access to funds.
Cover Amount Ranges
Dignity Insurance - Cover Amount Ranges
Dignity Life Insurance offers flexible cover options designed to meet a wide range of financial needs, from helping cover everyday expenses to providing long-term financial support for loved ones.
Dignity Insurance available cover amounts:
- Minimum Cover Amount: $3,000
- Maximum Cover Amount: $15,000
- Cover Increments: Flexible, but typically in $1,000 or $500 increments based on the amount selected
This flexibility allows you to select a level of protection that aligns with their personal circumstances, whether they are looking to cover funeral costs, clear debts, or leave a financial legacy for their family.
Points for consideration
- It is designed specifically to help cover funeral expenses and related costs, rather than provide a large financial safety net.
- Their product pays a lump sum benefit to help with funeral costs if you die or are diagnosed with a terminal illness after the initial waiting period.
- Higher cover amounts may require additional health information during the application process.
- Cover is subject to eligibility criteria and underwriting approval.
Premiums are calculated based on the selected cover amount, age, smoking status, and health profile.
Special Promotions & Discounts
Life Insurance Compare Australia
Dignity Insurance does not currently have any special promotions with Life Insurance Compare, however you can use the comparison tool to compare Dignity Insurance Life Insurance policies with other providers.
Pros and cons of Dignity Insurance
| Pros | Cons |
|---|---|
| Fixed Benefit Amount: Provides a defined payout, allowing for clearer financial planning for funeral arrangements. | Benefit Amount Might Not Keep Pace with Inflation: The fixed payout might not fully cover increasing funeral costs in the future. |
| Peace of Mind: Offers reassurance that funeral costs will be taken care of, alleviating stress for the policyholder and their family. | Policy Cancellation May Result in No Return of Premiums: If you cancel the policy, you might not receive any of the premiums you've paid. |
| Australian-Based Support: Emphasis on Australian-based claims specialists suggests local and accessible customer service. | Limited Flexibility Compared to Whole Life Insurance: Funeral insurance is typically more specific in its purpose than a broader life insurance policy. |
| Potential for Included Benefits: May offer additional benefits like a free Will kit (as mentioned previously), adding extra value. | Potential for Premium Increases: While not always the case, some policies might have the possibility of premium increases over time. |
| Choice of Payment Options: Typically offers flexible payment frequencies (e.g., monthly, fortnightly) to suit different budgets. | Not an Investment Vehicle: Funeral insurance is primarily for covering funeral costs and does not accrue cash value or offer investment returns. |
| Simpler Underwriting: May have less stringent underwriting compared to comprehensive life insurance, making it accessible to a wider range of individuals. | Alternative Savings or Insurance Options Exist: Individuals might choose to save for funeral costs or opt for a different type of life insurance. |
| May Offer Guaranteed Acceptance (within certain age limits): Some policies might guarantee acceptance for eligible applicants. | Policy Lapses Due to Missed Payments: Failure to pay premiums can result in the policy lapsing and loss of coverage. |
| Supports Pre-Planning: Can work in conjunction with pre-arranged funeral plans, providing the funds to execute those wishes. |
Claims Process
Notification
Claims should be made as soon as possible after the death occurs or upon diagnosis of a terminal illness, unless it is impractical to do so. You, your beneficiary/ies, or the legal personal representative of your estate can notify Dignity Insurance of a claim. You can notify Dignity Insurance by phone, email, or mail.
Claim Form
Once notice of a claim is received, Dignity Insurance will send out a claim form. This form must be completed, signed, and returned to Dignity Insurance. In some cases, Dignity Insurance may require a claim form to be completed by the treating medical practitioner or medical specialist.
Supporting Documents
The following documents are typically required to support a claim.A certified death certificate and medical report is typically required. Depending on who is making the claim, Dignity Insurance may request identification and/or confirmation of authorization to make the claim.
Additional Information
Dignity Insurance may request further information or documentary evidence to assess the claim. This could include reports from medical professionals or access to medical records. It could also include other information necessary to confirm the insured event.
Claim Payment
If the claim is accepted, the benefit amount will be paid. For death claims, the payment is made to your beneficiary/ies. If no beneficiary/ies are nominated or none are living, the payment will be made to your estate or the legal personal representative of your estate.
Partnerships & Affiliations
Hallmark Life Insurance Company
This company underwrites the Dignity Funeral Insurance product and is the insurer. They are an APRA-authorised insurer and are part of the St Andrew's Insurance Group.
Neilson Financial Services
This company operates under the trading name Dignity Insurance and acts as the insurance intermediary, managing the policies.
Pricing and Premiums
Dignity Insurance - Pricing and Premiums
The cost of your Dignity Funeral Insurance policy (the premium) is calculated based on the following factors:
- Benefit Amount: The amount of cover you select influences the premium. Higher cover amounts will result in higher premiums.
- Age: Your age at the start of the policy affects the premium. Generally, older individuals pay higher premiums.
- Gender: Gender can be a factor in premium calculation, with males typically having higher premiums than females of the same age.
- Smoker Status: Whether you are a smoker or non-smoker impacts the premium. Smokers generally pay more.
The specific premium amount for your policy will be detailed in your policy schedule.
Important Information about Premiums:
- Payment Methods: Premiums can be paid fortnightly or monthly.
- Payment Collection: Premiums are collected via direct debit from your nominated bank account or payment card.
- Fixed Premiums: Your premium is fixed and will not increase unless you change your benefit amount or smoker status.
- Premium Payments Period: Premiums are payable until the policy anniversary following your 90th birthday. After that, cover continues, and no further premiums are required.
Please note: that this is a general description. For personalized pricing, it is essential to contact Dignity Insurance or refer to your policy schedule.
Product Disclosure Statement
Dignity Funeral Insurance - Product Disclosure Statement (PDS)
The Dignity Funeral Insurance Product Disclosure Statement (PDS) is designed to help you understand the main considerations you need to know when deciding whether to purchase a Dignity Funeral Insurance policy and determining if it is right for you. It outlines the key features, benefits, terms, conditions, risks and exclusions of the policy, as well as information about premium payments, the complaints process and how to make a claim.
Key Information:
- Product Name: Dignity Funeral Insurance
- Issue Date: 6th November 2024
- Insurer: Hallmark Life Insurance Company Ltd (ABN 87 008 446 884 AFSL 243469)
- Distributor: Dignity Insurance (a trading name of Neilson Financial Services Pty Ltd (Neilson) ABN 52 668 314 896, an insurance intermediary that holds an Australian Financial Services Licence 552284)
What’s Included:
- Lump sum benefit paid upon death or diagnosis of a terminal illness
- Cover provided 24/7 worldwide
- You can select a benefit amount from $3,000 up to a maximum of $15,000
- Guaranteed acceptance for Australian residents aged 50 to 80
Important Notes:
- If you die from a non-accidental death or are diagnosed with a terminal illness before or during the first 12 months from the policy commencement date (the waiting period), we will not pay the benefit amount
- Your premium is payable up until the policy anniversary following your 90th birthday, after which there will be no more premium to pay but your policy will remain in force and your cover continues.
- This is an insurance policy, not a savings or investment plan, which means if your policy is cancelled after the 30-day Cooling Off Period, you will not receive anything back.
- You have 30 days from the policy commencement date to make sure you are happy with your policy and decide whether you want to keep it (this is called the ‘Cooling Off Period’).
IMPORTANT NOTE: The information in this PDS is general in nature and it does not consider your objectives, financial situation, or needs. It is important that you make your own decisions on whether this product is suitable for you by considering your individual objectives, financial situation, or needs, and if you are unsure, please consider seeking appropriate independent financial advic
Target Market Determination
Dignity Funeral Insurance TMD
Effective Date: 6th November 2024
Issuer: Hallmark Life Insurance Company Ltd (ABN 87 008 446 884, AFSL 243469)
Who this cover is designed for:
The target market comprises consumers who:
- Have, or expect to have, final expenses (such as funeral expenses or medical and palliative care expenses) that will need to be paid in the event of their death or terminal illness diagnosis.
- Are looking for the certainty of fixed premiums that do not increase as they get older.
- Require up to $15,000 of cover.
- Do not want to go through an underwriting process to assess eligibility for cover.
- Are Australian residents (as defined in the PDS) and aged between 50 and 80 years old at the time of application.
- Can afford the ongoing fixed premiums for the product for the period of cover.
Key Features:
- Life cover only – pays a lump sum in the event of death or diagnosis of a terminal illness.
- The product does not accumulate a cash value.
- You can choose a benefit amount from $3,000 up to a maximum of $15,000.
- If you die from an accidental death at any time from the commencement date, the amount payable is two times your chosen benefit amount.
- The amount payable is paid as a lump sum to your beneficiary/ies in the event of death or to you in the event of diagnosis of a terminal illness.
- Premiums can only be paid fortnightly or monthly by direct debit.
- The premiums are fixed at the time the policy is issued and will not change unless you increase or decrease the benefit amount, or if you notify us of a change in your smoking status, and we confirm that your premium has been adjusted accordingly.
- Premiums are payable up until the policy anniversary following your 90th birthday, after which there will be no more premiums to pay but the policy will remain in force and cover continues.
- There is no expiry age. Your policy continues until the earlier of your death, the payment of the benefit amount for a terminal illness claim or cancellation.
Important Exclusions:
- No benefit amount is payable if you die from a non-accidental death during the first 12 months from the policy commencement date.
When it might not suit:
This product is not suitable for consumers who:
- Are unlikely to have final expenses of at least $3,000.
- Need cover for final expenses that are likely to exceed $15,000.
- Wanting to go through an underwriting process to assess eligibility for cover.
- Are unable to fund or afford the policy premiums.
NOTE: This product is not to be distributed through personal advice. [The document does not explicitly state this
Contact Details
Dignity Insurance - Contact Details
- Company Name: Dignity Insurance
- Phone: 1800 089 426
- General: 1800 954 253
- Postal Address: Dignity Insurance, PO BOX R985, Royal Exchange NSW 1225, Australia
Operating Hours: Monday to Friday, excluding NSW public holidays