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We make it easier & quicker for you to receive your loved ones life insurance & super death benefit 

The death of the loved one, is one of those times, when the right claim help from the start of the claim, can save a lot of time and create less worry.

Our expertise in managing life insurance claims means that we make it easy for you.  We deal with the trustee and life insurer on your behalf, so you can be together with your family at a time of need. 

The benefit of having a claim expert speak to the trustee and insurers, ensures that the available life insurance and super money can be released as soon as possible.  This is often important to families who have just paid for the funeral service or have the costs of the funeral upcoming.

Most superannuation fund (AustralianSuper, Cbus, Hostplus, HESTA etc) have automatic life insurance which may be available (to the family) upon the death of a loved one. 

How do I know if my loved one had life insurance?

Most people who have superannuation have automatic life insurance through their superannuation fund (eg. AustralianSuper).

When they pass away, their life insurance (and / or superannuation death benefit) can be distributed to their beneficiaries.

Beneficiaries can include immediate family, a partner, financial dependents, and those nominated on the deceased’s policy.

ACA's process starts with checking if your loved one had life insurance in their superannuation fund and it is a free availability check.

A quicker and more affordable way to access life insurance

AFRM Claims Advocacy (ACA) can help you access your loved one's life insurance claim (superannuation death benefit) and manage  the process each step of the way, until the insurance and super money is released to the beneficiary.  This includes chasing up the trustee and insurer on your behalf and helping to complete all the claim paperwork

It all starts with ACA checking whether your loved one had life insurance in their superannuation fund - it is a free availability check.

A life insurance claim with a valid nomination to a super dependant is separate to the “estate” and therefore does not need a solicitor to manage. Instead, using AFRM Claims Advocacy, can often make it quicker for the funds to be received and often more affordable than solicitor percentage fees or hourly rates.

Helping families is what we do - as featured on Sky News 

Facts about life insurance & superannuation death benefits:

  • Your loved one was most likely paying premiums for life insurance via their superannuation fund.

  • You don't need the finalised death certificate for us to commence the claim process

  • Managing the life insurance is separate to managing  "the estate."  

  • Using a claim advocate can be quicker and more affordable than using a solicitor (industry average time to have a life insurance claim paid is approx.  2 months).

  • If you have a solicitor managing the estate / probate, we can work along side them to manage the life insurance claim. Given our expertise and flat fee for service  - it may be quicker and cheaper for you to do so.

  • Both the life insurance claim and the superannuation balance (super death benefit) may be available to claim.

First Step: Have us check if your loved one had life insurance.

To understand if your loved one had life insurance call and speak to Bruno on 1300 013 328, or email 

We can check on your behalf if your loved ones life insurance and super is available for free, and then remove the hassle from you of having to speak to the insurer and trustee, so that the life insurance and super money is received as quickly as possible.  

AFRM Claims Advocacy are the only claim experts that have been accepted as members of both the National Funeral Directors Association (NFDA) and the Australian Funeral Directors Association (AFDA):

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