Chubb Life NZ vs Fidelity Life
Funeral cover compared — structure, underwriting and waiting periods, side by side.
Chubb Life NZ offers a funeral benefit on a wider life-cover policy, bought 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 |
|---|---|---|---|---|---|
 Chubb Life NZ | Rider on life cover | Via adviser | Underwritten | Per LifeOne / LifeProtect wording | Per LifeOne / LifeProtect entry ages |
 Fidelity Life | Rider on life cover | Via adviser | Underwritten | Per LifeProtect wording (Apr 2025); accelerated benefit terms apply | Per LifeProtect entry ages |
Chubb Life NZ
- 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 LifeOne / LifeProtect wording
- Max entry age: Per LifeOne / LifeProtect entry ages
- Premium options: Stepped + level options
Funeral cover as a rider on LifeOne / LifeProtect.
Chubb Life NZ 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 reviewChubb Life NZ vs Fidelity Life — FAQs
Is Chubb Life NZ or Fidelity Life better for funeral cover?
Neither is "better" for everyone. Chubb Life NZ 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 Chubb Life NZ and Fidelity Life?
Chubb Life NZ: Per LifeOne / LifeProtect wording; Per LifeOne / LifeProtect entry ages. Fidelity Life: Per LifeProtect wording (Apr 2025); accelerated benefit terms apply; Per LifeProtect entry ages. Funeral cover as a rider on LifeOne / LifeProtect. 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.