Question 1

What is funeral insurance?

Accepted Answer

Funeral insurance is a specific type of insurance that helps cover the costs associated with a funeral, burial, or cremation. It provides a lump sum payment to your beneficiaries to help manage funeral expenses and related costs, ensuring your loved ones aren't burdened with financial stress during a difficult time.

Question 2

How much does funeral insurance cost in New Zealand?

Accepted Answer

Funeral insurance premium depends on your age, sum-insured, smoker status, premium structure, and the insurer's pricing. Rather than relying on indicative ranges that go stale, quote with two or three NZ insurers directly at the cover amount you want.

Question 3

What's the difference between funeral insurance and life insurance?

Accepted Answer

Both provide a death benefit, but funeral insurance is designed for funeral costs with a smaller cover amount and minimal-question application — most NZ funeral policies are guaranteed-acceptance within age bands. Life insurance offers materially higher cover amounts via underwriting and is designed for income replacement and debt discharge alongside funeral costs.

Question 4

Is there an age limit for funeral insurance?

Accepted Answer

Yes, most NZ providers have age limits. Generally, you can apply between ages 18-75, though some providers offer coverage for people up to 85 years old. Once you have a policy, coverage typically continues for life as long as premiums are paid.

Question 5

Are there waiting periods for funeral insurance?

Accepted Answer

Yes, most funeral insurance policies have waiting periods. Typically, there's immediate cover for accidental death, but a 12-24 month waiting period for death by natural causes. Some providers offer policies with shorter waiting periods or no waiting period for an additional premium.

Question 6

What does funeral insurance cover?

Accepted Answer

Funeral insurance covers costs associated with a funeral, including: service and ceremony costs, burial or cremation expenses, casket or urn, venue hire, celebrant fees, death certificates, newspaper notices, and other related expenses. The benefit can also help with outstanding bills or other final expenses.

Question 7

Can I get funeral insurance if I have pre-existing conditions?

Accepted Answer

Yes, most funeral insurance policies in NZ offer guaranteed acceptance regardless of your health status. However, pre-existing conditions may be subject to waiting periods or exclusions. It's important to check the policy details and discuss any conditions with your provider.

Question 8

What happens if I stop paying my premiums?

Accepted Answer

If you stop paying premiums, your funeral insurance coverage will typically lapse after a grace period (usually 30 days). Some providers offer premium freezes or reduced cover options if you're experiencing financial hardship. It's important to contact your insurer if you're having difficulty making payments.

Provider	Key Features
Partners Life	Level premiums available NZ-based support Family discount	Get Quote
Fidelity Life	No waiting period Fixed premiums 24/7 claims support	Get Quote
AIA New Zealand	Premium freeze option Multi-policy discounts Online claims portal	Get Quote
Chubb Insurance	Worldwide coverage Guaranteed acceptance 24/7 claims service	Get Quote
NZ Seniors Insurance	Specialised for 50+ Online application Dedicated seniors support	Get Quote
AA Life	AA Member discounts Immediate accidental cover NZ-based service	Get Quote
OneChoice	Online application Digital policy management Online support	Get Quote
Momentum Life	Guaranteed acceptance Flexible payments 30-day money-back	Get Quote
Pinnacle Life	Premium freeze option Digital pioneer NZ owned & operated	Get Quote

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