OneChoice vs Partners Life
Funeral cover compared — structure, underwriting and waiting periods, side by side.
OneChoice offers a standalone funeral policy, bought direct and guaranteed-acceptance (no health questions). 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 |
|---|---|---|---|---|---|
 OneChoice | Standalone funeral cover | Direct | Guaranteed acceptance | 24-month natural-cause waiting period; accidental from day one | Entry ages on insurer site |
 Partners Life | Rider on life cover | Via adviser | Underwritten | Per main life-cover wording (YouChoose); rider terms apply | Per main YouChoose entry ages |
OneChoice
- 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 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 reviewOneChoice vs Partners Life — FAQs
Is OneChoice or Partners Life better for funeral cover?
Neither is "better" for everyone. OneChoice is a standalone funeral policy and guaranteed-acceptance (no health questions); 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 OneChoice and Partners Life?
OneChoice: 24-month natural-cause waiting period; accidental from day one; Entry ages on insurer site. Partners Life: Per main life-cover wording (YouChoose); rider terms apply; Per main YouChoose entry ages. Underwritten by Hollard Insurance. 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.