{
  "vertical": "funeral",
  "topic": {
    "slug": "entry-age-cap",
    "title": "Entry age + renewal limits",
    "short_title": "Entry age + renewal",
    "description": "Most NZ funeral insurers cap entry age in the late 70s or low 80s. Some products don't accept new business beyond a certain age band. This page documents each insurer's entry-age and renewal-age limits verbatim.",
    "fact_keys": [
      "entry_age_max",
      "max_renewal_age",
      "entry_age_min"
    ],
    "keywords": [
      "entry age cap",
      "renewal age",
      "over 80 funeral insurance",
      "NZ"
    ]
  },
  "snapshot": {
    "generated_at": "2026-05-18T11:55:24.814Z",
    "counts": {
      "insurers": 9,
      "products_total": 9,
      "products_active": 9
    },
    "wording_date_range": {
      "oldest_ingested_at": null,
      "newest_ingested_at": null
    }
  },
  "products": [
    {
      "insurer": {
        "slug": "aa-life-funeral",
        "name": "AA Life Funeral Insurance"
      },
      "product": {
        "slug": "aa-life-funeral-cover",
        "name": "AA Life Funeral Cover"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "max_renewal_age": null,
        "entry_age_min": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/aa-life-funeral/aa-life-funeral-cover/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/aa-life-funeral/aa-life-funeral-cover/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/aa-life-funeral/aa-life-funeral-cover/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "aia-funeral",
        "name": "AIA Funeral Cover"
      },
      "product": {
        "slug": "aia-living-funeral",
        "name": "AIA Living Funeral Cover"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "max_renewal_age": null,
        "entry_age_min": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/aia-funeral/aia-living-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/aia-funeral/aia-living-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/aia-funeral/aia-living-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "chubb-life-funeral",
        "name": "Chubb Life Funeral Cover"
      },
      "product": {
        "slug": "lifeone-funeral",
        "name": "Chubb Life LifeOne Funeral Cover"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "max_renewal_age": null,
        "entry_age_min": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/chubb-life-funeral/lifeone-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/chubb-life-funeral/lifeone-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/chubb-life-funeral/lifeone-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "fidelity-life-funeral",
        "name": "Fidelity Life Funeral Cover"
      },
      "product": {
        "slug": "lifeprotect-funeral",
        "name": "Fidelity Life Funeral Cover (LifeProtect rider)"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "max_renewal_age": null,
        "entry_age_min": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/fidelity-life-funeral/lifeprotect-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/fidelity-life-funeral/lifeprotect-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/fidelity-life-funeral/lifeprotect-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "momentum-life",
        "name": "Momentum Life Funeral Insurance"
      },
      "product": {
        "slug": "momentum-funeral",
        "name": "Momentum Life Funeral Insurance"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "max_renewal_age": null,
        "entry_age_min": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/momentum-life/momentum-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/momentum-life/momentum-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/momentum-life/momentum-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "nz-seniors",
        "name": "NZ Seniors Funeral Insurance"
      },
      "product": {
        "slug": "nz-seniors-funeral",
        "name": "NZ Seniors Funeral Insurance"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "max_renewal_age": null,
        "entry_age_min": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/nz-seniors/nz-seniors-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/nz-seniors/nz-seniors-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/nz-seniors/nz-seniors-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "onechoice-funeral",
        "name": "OneChoice Funeral Insurance"
      },
      "product": {
        "slug": "onechoice-funeral-cover",
        "name": "OneChoice Funeral Insurance"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "max_renewal_age": null,
        "entry_age_min": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/onechoice-funeral/onechoice-funeral-cover/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/onechoice-funeral/onechoice-funeral-cover/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/onechoice-funeral/onechoice-funeral-cover/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "partners-life-funeral",
        "name": "Partners Life Funeral Cover"
      },
      "product": {
        "slug": "youchoose-funeral",
        "name": "Partners Life Funeral Cover (YouChoose rider)"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "max_renewal_age": null,
        "entry_age_min": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/partners-life-funeral/youchoose-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/partners-life-funeral/youchoose-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/partners-life-funeral/youchoose-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "pinnacle-life",
        "name": "Pinnacle Life"
      },
      "product": {
        "slug": "pinnacle-funeral",
        "name": "Pinnacle Life Funeral Cover"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "max_renewal_age": null,
        "entry_age_min": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/pinnacle-life/pinnacle-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/pinnacle-life/pinnacle-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/pinnacle-life/pinnacle-funeral/wording.md"
      }
    }
  ],
  "canonical_url": "https://funeralinsurancecomparison.co.nz/topics/entry-age-cap/",
  "license": "CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz"
}