Chubb Life NZ vs Partners 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). Partners 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 |
 Partners Life | Rider on life cover | Via adviser | Underwritten | Per main life-cover wording (YouChoose); rider terms apply | Per main YouChoose 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 reviewPartners 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 main life-cover wording (YouChoose); rider terms apply
- Max entry age: Per main YouChoose entry ages
- Premium options: Stepped + level options
Funeral cover as a rider on YouChoose. Adviser-distributed.
Partners Life reviewChubb Life NZ vs Partners Life — FAQs
Is Chubb Life NZ or Partners 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); Partners 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 Partners Life?
Chubb Life NZ: Per LifeOne / LifeProtect wording; Per LifeOne / LifeProtect entry ages. Partners Life: Per main life-cover wording (YouChoose); rider terms apply; Per main YouChoose entry ages. Funeral cover as a rider on LifeOne / LifeProtect. Funeral cover as a rider on YouChoose. Adviser-distributed.
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.