# Underwriting — guaranteed acceptance vs medicals

> Some NZ funeral cover is offered guaranteed-acceptance (no medical questions); others require a short medical questionnaire. The trade-off: guaranteed-acceptance pricing is higher and waiting periods longer. This page documents each insurer's underwriting approach verbatim.

**Vertical:** funeral · **Topic:** underwriting-rules · **Snapshot:** 2026-05-18T11:55:24.814Z

**Source:** Each product's policy wording PDF (where publicly available). License: CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz.

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_No on-file values for this topic. NZ funeral cover is predominantly adviser-distributed or quote-form-only — public PDS PDFs are scarce. Wording ingest pending._

**Canonical URL:** https://funeralinsurancecomparison.co.nz/topics/underwriting-rules/