Regulator + Government Guides
The non-marketing side of funeral insurance: regulator rules, government grants, dispute processes. Cited inline, not paraphrased.
Most funeral insurance content online is marketing copy. These five guides cover the parts buyers actually need to know — what the FMA, ICNZ, FDANZ, WINZ, and AML/CFT regime each say, with links to the source documents.
Insurance Council of NZ (ICNZ)
ICNZ Fair Insurance Code — funeral cover provisions
How the Insurance Council of NZ Fair Insurance Code applies to funeral cover — claims-handling timeframes, waiting-period disclosure, and dispute escalation.
Financial Markets Authority (FMA)
FMA senior-buyer disclosure rules for funeral cover
FMA disclosure obligations specific to older funeral-cover buyers — capacity assessments, vulnerable-customer framing under the Conduct of Financial Institutions (CoFI) regime.
Funeral Directors Association of NZ
FDANZ + pre-paid funeral plans
Funeral Directors Association of NZ certification and how funeral-cover pay-outs interact with pre-paid funeral plans held by FDANZ-member directors.
Work and Income (MSD)
WINZ funeral grant + bereavement payment pathway
MSD / Work and Income funeral grant eligibility, bereavement payments, and how they interact with funeral-cover claims.
AML/CFT Act + DIA / RBNZ
AML/CFT + EPOA considerations for senior funeral-cover buyers
KYC documents, account-of-payment requirements, and Enduring Power of Attorney implications for funeral-cover applications by older buyers.
Editorial only. These guides summarise public regulator and government information and are not personalised financial advice. For personalised guidance, talk to a Financial Advice Provider. Operated by Evolve Group Limited (FSP711891), licensed by the FMA.