Are there any reasons my funeral insurance policy won’t pay out?
The Funeral Benefit will not be paid if the life insured passes away in the first 12 months of the policy for any reason other than an accidental death.
If a life insured dies during the first 12 months of cover from any cause other than accidental death, APIA will pay a benefit amount equal to the Funeral Insurance premiums you’ve paid for that life insured.