Compare NZ Funeral Insurance
Side-by-side structural comparison of 9 NZ funeral insurers. Distribution, underwriting, waiting periods, premium structure — the facts that decide whether a product fits before you quote.
How to use this comparison
1. Filter by structure first
Standalone funeral cover suits buyers who only want funeral cover. Riders bundle funeral cover into a broader life policy — often a better fit if you're also buying life or income protection.
2. Decide on underwriting
Guaranteed-acceptance is faster, no medical questions, but applies a 24-month waiting period for natural-cause death. Underwritten policies cover from day one but ask medical questions and can decline.
3. Quote with 2–3 insurers
Premiums depend on age, smoker status, and cover amount. We don't publish premium tables — quote with each insurer for prices that apply to you.
Structural comparison matrix
Side-by-side feature comparison across 9 NZ funeral insurers. Pricing and premiums are quote-based — these are the structural facts that decide whether a product fits your situation before you quote.
| Provider | Distribution | Product structure | Underwriting | Waiting period | Max entry age | Premium options | Online apply | Ownership |
|---|---|---|---|---|---|---|---|---|
 | Direct (online) | Standalone funeral product | Both available | Standard 24-month natural-cause waiting period; accidental from day one | Up to age 75 on direct funeral cover | Stepped + level options | Yes | NZ-owned |
 | Direct (online) | Standalone funeral product | Guaranteed-acceptance | 24-month natural-cause waiting period; accidental from day one | Up to age 80 | Stepped premiums | Yes | NZ-owned |
 | Direct (online) | Standalone funeral product | Guaranteed-acceptance | 24-month natural-cause waiting period; accidental from day one | Targeted at over-50s; entry ages on insurer site | Stepped premiums | Yes | NZ subsidiary |
 | Direct (online) | Standalone funeral product | Guaranteed-acceptance | 24-month natural-cause waiting period; accidental from day one | Entry ages on insurer site | Stepped premiums | Yes | NZ subsidiary |
| | Direct (online) | Standalone funeral product | Guaranteed-acceptance | 24-month natural-cause waiting period (per Nov 2024 wording); accidental from day one | Premiums cease at policy anniversary after age 90 | Annual-renewable; age-based | Yes | NZ subsidiary |
| | Adviser only | Funeral cover as rider on life policy | Underwritten | Per main life-cover wording (YouChoose); rider terms apply | Per main YouChoose entry ages | Stepped + level options | Adviser | NZ-owned |
| | Direct + Adviser | Funeral cover as rider on life policy | Underwritten | Per AIA Living Life Cover wording (Bereavement Support / Repatriation Benefits) | Per AIA Living entry ages | Stepped + level + premium freeze options | Adviser | International |
| | Adviser only | Funeral cover as rider on life policy | Underwritten | Per LifeOne / LifeProtect wording | Per LifeOne / LifeProtect entry ages | Stepped + level options | Adviser | International |
| | Adviser only | Funeral cover as rider on life policy | Underwritten | Per LifeProtect wording (Apr 2025); accelerated benefit terms apply | Per LifeProtect entry ages | Stepped + level options | Adviser | NZ-owned |
Pinnacle Life
- Distribution
- Direct (online)
- Structure
- Standalone funeral product
- Underwriting
- Both available
- 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
- Online apply
- Yes
- Ownership
- NZ-owned
NZ's largest direct funeral-cover specialist. Online quote tool.
Momentum Life
- Distribution
- Direct (online)
- Structure
- Standalone funeral product
- Underwriting
- Guaranteed-acceptance
- Waiting period
- 24-month natural-cause waiting period; accidental from day one
- Max entry age
- Up to age 80
- Premium options
- Stepped premiums
- Online apply
- Yes
- Ownership
- NZ-owned
Direct funeral specialist; 30-day money-back guarantee.
NZ Seniors
- Distribution
- Direct (online)
- Structure
- Standalone funeral product
- Underwriting
- Guaranteed-acceptance
- Waiting period
- 24-month natural-cause waiting period; accidental from day one
- Max entry age
- Targeted at over-50s; entry ages on insurer site
- Premium options
- Stepped premiums
- Online apply
- Yes
- Ownership
- NZ subsidiary
Distributed by Greenstone Financial Services.
OneChoice
- Distribution
- Direct (online)
- Structure
- Standalone funeral product
- Underwriting
- Guaranteed-acceptance
- Waiting period
- 24-month natural-cause waiting period; accidental from day one
- Max entry age
- Entry ages on insurer site
- Premium options
- Stepped premiums
- Online apply
- Yes
- Ownership
- NZ subsidiary
Underwritten by Hollard Insurance.
AA Life
- Distribution
- Direct (online)
- Structure
- Standalone funeral product
- Underwriting
- Guaranteed-acceptance
- Waiting period
- 24-month natural-cause waiting period (per Nov 2024 wording); accidental from day one
- Max entry age
- Premiums cease at policy anniversary after age 90
- Premium options
- Annual-renewable; age-based
- Online apply
- Yes
- Ownership
- NZ subsidiary
Underwritten by Asteron Life. AA Member discount may apply.
Partners Life
- Distribution
- Adviser only
- Structure
- Funeral cover as rider on life policy
- Underwriting
- Underwritten
- Waiting period
- Per main life-cover wording (YouChoose); rider terms apply
- Max entry age
- Per main YouChoose entry ages
- Premium options
- Stepped + level options
- Online apply
- Adviser only
- Ownership
- NZ-owned
Funeral cover as a rider on YouChoose. Adviser-distributed.
AIA New Zealand
- Distribution
- Direct + Adviser
- Structure
- Funeral cover as rider on life policy
- Underwriting
- Underwritten
- Waiting period
- Per AIA Living Life Cover wording (Bereavement Support / Repatriation Benefits)
- Max entry age
- Per AIA Living entry ages
- Premium options
- Stepped + level + premium freeze options
- Online apply
- Adviser only
- Ownership
- International
Bereavement Support Benefit (max $15k combined with Repatriation) embedded in Life Cover.
Chubb Life NZ
- Distribution
- Adviser only
- Structure
- Funeral cover as rider on life policy
- Underwriting
- Underwritten
- Waiting period
- Per LifeOne / LifeProtect wording
- Max entry age
- Per LifeOne / LifeProtect entry ages
- Premium options
- Stepped + level options
- Online apply
- Adviser only
- Ownership
- International
Funeral cover as a rider on LifeOne / LifeProtect.
Fidelity Life
- Distribution
- Adviser only
- Structure
- Funeral cover as rider on life policy
- Underwriting
- Underwritten
- Waiting period
- Per LifeProtect wording (Apr 2025); accelerated benefit terms apply
- Max entry age
- Per LifeProtect entry ages
- Premium options
- Stepped + level options
- Online apply
- Adviser only
- Ownership
- NZ-owned
NZ-owned. Funeral cover as a rider on LifeProtect.
Reading this matrix
- • Direct (online) — apply yourself via the insurer's website. Adviser only — go via a licensed Financial Advice Provider.
- • Standalone products are sold as funeral-specific cover. Rider products embed funeral cover in a broader life-cover policy.
- • Guaranteed-acceptance — no medical underwriting, but a 24-month waiting period for natural-cause death. Underwritten — fuller medical questions, but no natural-cause waiting period once accepted.
- • Premium structure: stepped rises with age; level fixes premium at policy start (higher initially, lower long-term).
- • All NZ funeral insurers are regulated by the RBNZ (prudential) and FMA (conduct). See regulator guides.
Key features by provider
Editorial feature highlights for each NZ funeral insurer. The structural matrix above covers the decision-relevant facts; this section adds product-specific colour.
Compare NZ Funeral Insurance Providers
Side-by-side feature comparison across 9 NZ funeral insurers. Quote with each insurer for premiums applicable to your age and cover amount.
| Provider | Key Features | |
|---|---|---|
Partners Life |
| Get Quote |
Fidelity Life |
| Get Quote |
AIA New Zealand |
| Get Quote |
Chubb Insurance |
| Get Quote |
NZ Seniors Insurance |
| Get Quote |
AA Life |
| Get Quote |
OneChoice |
| Get Quote |
Momentum Life |
| Get Quote |
Pinnacle Life |
| Get Quote |
Premiums, cover amounts, and underwriting depend on your age, smoker status, and the insurer's pricing on the day you quote. We don't publish indicative premium tables — quote with each insurer directly to compare what you'd actually pay.
Licensed Providers
All providers are licensed and regulated in New Zealand
Features Sourced From Wordings
Feature lists reflect each insurer's published policy wording
Updated Regularly
Features verified against current insurer disclosures
How we compile this comparison
Source documents
Facts come from each insurer's published Policy Document, product disclosure statements, and where ingested into our data layer, the wording PDFs themselves. Try semantic clause search.
No fabricated pricing
We don't publish premium tables. NZ funeral cover premiums depend on age, smoker status, and sum-insured at quote time. Quote with each insurer.
No subjective rankings
No "best for X" labels, no star ratings without disclosed methodology. The matrix surfaces structural facts that vary between products — you choose what matters.
Wording detail
Where the underlying wording PDF has been ingested into our data layer, you can search policy clauses directly. Try the clause search for exact wording on waiting periods, exclusions, and benefits.
Decided which structure fits? Quote next.
Quote with 2–3 NZ funeral insurers to compare premiums for your age and cover amount.