AIA New Zealand vs Fidelity Life
Funeral cover compared — structure, underwriting and waiting periods, side by side.
AIA New Zealand offers a funeral benefit on a wider life-cover policy, available direct or through an adviser and underwritten (health questions apply). Fidelity Life offers a funeral benefit on a wider life-cover policy, bought through an adviser and underwritten (health questions apply). Neither is universally cheaper — funeral cover is individually underwritten, so the right choice depends on your age, health and a real quote from each.
| Provider | Product type | How to buy | Underwriting | Waiting period | Max entry age |
|---|---|---|---|---|---|
 AIA New Zealand | Rider on life cover | Direct or adviser | Underwritten | Per AIA Living Life Cover wording (Bereavement Support / Repatriation Benefits) | Per AIA Living entry ages |
 Fidelity Life | Rider on life cover | Via adviser | Underwritten | Per LifeProtect wording (Apr 2025); accelerated benefit terms apply | Per LifeProtect entry ages |
AIA New Zealand
- Product: a funeral benefit on a wider life-cover policy
- How to buy: available direct or through an adviser
- Underwriting: underwritten (health questions apply)
- Waiting period: Per AIA Living Life Cover wording (Bereavement Support / Repatriation Benefits)
- Max entry age: Per AIA Living entry ages
- Premium options: Stepped + level + premium freeze options
Bereavement Support Benefit (max $15k combined with Repatriation) embedded in Life Cover.
AIA New Zealand reviewFidelity Life
- Product: a funeral benefit on a wider life-cover policy
- How to buy: bought through an adviser
- Underwriting: underwritten (health questions apply)
- Waiting period: Per LifeProtect wording (Apr 2025); accelerated benefit terms apply
- Max entry age: Per LifeProtect entry ages
- Premium options: Stepped + level options
NZ-owned. Funeral cover as a rider on LifeProtect.
Fidelity Life reviewAIA New Zealand vs Fidelity Life — FAQs
Is AIA New Zealand or Fidelity Life better for funeral cover?
Neither is "better" for everyone. AIA New Zealand is a funeral benefit on a wider life-cover policy and underwritten (health questions apply); Fidelity Life is a funeral benefit on a wider life-cover policy and underwritten (health questions apply). The right pick depends on your age, health, the cover amount you want, and the premium each quotes you. Compare the policy wordings and get a quote from both.
What's the main difference between AIA New Zealand and Fidelity Life?
AIA New Zealand: Per AIA Living Life Cover wording (Bereavement Support / Repatriation Benefits); Per AIA Living entry ages. Fidelity Life: Per LifeProtect wording (Apr 2025); accelerated benefit terms apply; Per LifeProtect entry ages. Bereavement Support Benefit (max $15k combined with Repatriation) embedded in Life Cover. NZ-owned. Funeral cover as a rider on LifeProtect.
Not personalised financial advice. Editorial comparison only. Premiums are individually underwritten — quote with each insurer for current rates and confirm cover details in the policy wording.