Fidelity Life vs Pinnacle 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). Pinnacle Life offers a standalone funeral policy, bought direct and available as guaranteed-acceptance or underwritten. 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 |
 Pinnacle Life | Standalone funeral cover | Direct | Both options | Standard 24-month natural-cause waiting period; accidental from day one | Up to age 75 on direct funeral cover |
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 reviewPinnacle Life
- Product: a standalone funeral policy
- How to buy: bought direct
- Underwriting: available as guaranteed-acceptance or underwritten
- Waiting period: Standard 24-month natural-cause waiting period; accidental from day one
- Max entry age: Up to age 75 on direct funeral cover
- Premium options: Stepped + level options
NZ's largest direct funeral-cover specialist. Online quote tool.
Pinnacle Life reviewFidelity Life vs Pinnacle Life — FAQs
Is Fidelity Life or Pinnacle 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); Pinnacle Life is a standalone funeral policy and available as guaranteed-acceptance or underwritten. 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 Pinnacle Life?
Fidelity Life: Per LifeProtect wording (Apr 2025); accelerated benefit terms apply; Per LifeProtect entry ages. Pinnacle Life: Standard 24-month natural-cause waiting period; accidental from day one; Up to age 75 on direct funeral cover. NZ-owned. Funeral cover as a rider on LifeProtect. NZ's largest direct funeral-cover specialist. Online quote tool.
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.