Fidelity Life vs Partners Life
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). 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 |
|---|---|---|---|---|---|
 Fidelity Life | Rider on life cover | Via adviser | Underwritten | Per LifeProtect wording (Apr 2025); accelerated benefit terms apply | Per 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 |
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 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 reviewFidelity Life vs Partners Life — FAQs
Is Fidelity Life or Partners Life 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); 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 Fidelity Life and Partners Life?
Fidelity Life: Per LifeProtect wording (Apr 2025); accelerated benefit terms apply; Per LifeProtect entry ages. Partners Life: Per main life-cover wording (YouChoose); rider terms apply; Per main YouChoose entry ages. NZ-owned. Funeral cover as a rider on 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.