Fidelity Life vs OneChoice
Funeral cover compared — structure, underwriting and waiting periods, side by side.
Fidelity Life offers a funeral benefit on a wider life-cover policy, bought through an adviser and underwritten (health questions apply). OneChoice offers a standalone funeral policy, bought direct and guaranteed-acceptance (no health questions). 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 |
|---|---|---|---|---|---|
 Fidelity Life | Rider on life cover | Via adviser | Underwritten | Per LifeProtect wording (Apr 2025); accelerated benefit terms apply | Per LifeProtect entry ages |
 OneChoice | Standalone funeral cover | Direct | Guaranteed acceptance | 24-month natural-cause waiting period; accidental from day one | Entry ages on insurer site |
Fidelity 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 reviewOneChoice
- Product: a standalone funeral policy
- How to buy: bought direct
- Underwriting: guaranteed-acceptance (no health questions)
- Waiting period: 24-month natural-cause waiting period; accidental from day one
- Max entry age: Entry ages on insurer site
- Premium options: Stepped premiums
Underwritten by Hollard Insurance.
OneChoice reviewFidelity Life vs OneChoice — FAQs
Is Fidelity Life or OneChoice better for funeral cover?
Neither is "better" for everyone. Fidelity Life is a funeral benefit on a wider life-cover policy and underwritten (health questions apply); OneChoice is a standalone funeral policy and guaranteed-acceptance (no health questions). 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 Fidelity Life and OneChoice?
Fidelity Life: Per LifeProtect wording (Apr 2025); accelerated benefit terms apply; Per LifeProtect entry ages. OneChoice: 24-month natural-cause waiting period; accidental from day one; Entry ages on insurer site. NZ-owned. Funeral cover as a rider on LifeProtect. Underwritten by Hollard Insurance.
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.