About AA Life Funeral Insurance
AA Life is the life insurance arm of the New Zealand Automobile Association (NZAA) brand. Funeral cover is one product within the wider AA Life suite (term life, mortgage protection). Underwritten by AA Life Services Limited. Distributed direct via AA channels.
What they offer
- Funeral cover as part of the AA Life product family
- Direct online application and quote tool
- AA member discounts on premium for AA members
Distinctive points
- Distributed through the NZAA brand — strong consumer recognition
- AA member discount typically available for AA members
- Direct application, no adviser needed
- Flexible payment frequencies (monthly, fortnightly, annual)
What to compare on
- Premium at your age and sum-insured. Quote with AA Life and at least two other NZ funeral insurers.
- Maximum entry age. Confirm the current cutoff on AA Life's quote tool.
- Maximum cover amount. Insurers cap funeral cover at different sums — check the current ceiling.
- Waiting period. Most NZ funeral policies wait 12-24 months on non-accidental death.
- Premium structure. Stepped vs level — stepped is cheaper at signup but rises sharply with age.
- Claims process. Confirm what documents and timelines apply.
- Wording exclusions. Read the policy document directly.
Where to quote
- AA Life's online quote tool
- Through an FAP-licensed adviser if you want wording comparison alongside
See our provider directory for the other NZ funeral insurers, or our comparison overview for what to compare on.