Best Funeral Insurance in New Zealand
Our experts have analyzed coverage, premiums, claims service, and customer reviews to rank New Zealand's top funeral insurance providers for 2026.
2026 Rankings
Our rankings are based on comprehensive analysis of coverage options, premium value, financial strength, claims experience, and customer satisfaction.
Key Highlights
- Premium freeze option locks in your rate
- Cover up to $50,000
- Multi-policy discounts available
- Award-winning claims service
- 24/7 online claims portal
Key Highlights
- 100% New Zealand owned
- Level premiums available
- Cover up to $40,000
- Family discount options
- NZ-based customer support
Key Highlights
- Competitive premiums from $29/month
- No waiting period for accidents
- Fixed premium options
- 24/7 claims support
- NZ owned and operated since 1973
Key Highlights
- Worldwide coverage included
- Guaranteed acceptance options
- 24/7 global claims service
- Strong international backing
- 30-day money-back guarantee
Key Highlights
- First online life insurer in NZ
- Premium freeze option available
- Instant online approval
- Digital policy management
- NZ owned since 1998
Side-by-Side Comparison
Compare key features across all top-rated providers
| Feature | AIA | Partners Life | Fidelity Life | Chubb | Pinnacle Life |
|---|---|---|---|---|---|
| Maximum Cover | $50,000 | $40,000 | $30,000 | $35,000 | $30,000 |
| Starting Premium | $32/mo | $31/mo | $29/mo | $28/mo | $28/mo |
| Premium Freeze | Yes | Level option | Fixed option | No | Yes |
| Waiting Period | 24 months | 24 months | 24 months | 12 months | 24 months |
| Accident Cover | Immediate | Immediate | Immediate | Immediate | Immediate |
| Claims Paid | 98% | 97% | 96% | 97% | 96% |
| 24/7 Support | Yes | No | Yes | Yes | No |
How We Rank Providers
Financial Strength
We evaluate credit ratings from S&P, AM Best, and Fitch to ensure providers can pay claims long-term.
Value for Money
We compare premiums against coverage amounts, features, and premium stability options.
Claims Experience
We analyze claims paid ratios, processing times, and customer feedback on the claims process.
Customer Satisfaction
We review customer feedback, complaints data, and overall service quality ratings.
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