About Momentum Life
Momentum Life Limited is a direct-to-consumer funeral insurance specialist in NZ, marketing primarily to over-40s and over-50s. Funeral cover is the core product; cover sold without an adviser via the company's own online application.
What they offer
- Funeral insurance as a standalone direct product
- Online application and quote tool
- Marketed at over-40 / over-50 demographics
Distinctive points
- Direct-to-consumer specialist — no adviser channel
- Targets the over-40s / over-50s segment
- Online quote tool with minimal-question application
- Focused product range — funeral cover, not bundled with broader life suite
What to compare on
- Premium at your age and sum-insured. Quote with Momentum and at least two other NZ funeral insurers (including Pinnacle Life and NZ Seniors who target similar segments).
- Maximum entry age + cover amount. Direct specialists often cap cover lower than adviser-distributed products — confirm current limits.
- Waiting period. Most NZ funeral policies have 12-24 month wait on non-accidental death.
- Premium structure. Stepped vs level — direct specialists often default to stepped.
- Claim payment speed. Direct insurers typically commit to fast turnaround — confirm.
- Wording exclusions. Read the policy document.
Where to quote
See our provider directory for the other NZ funeral insurers.