About OneChoice
OneChoice is a direct-to-consumer life-products brand in NZ. Funeral cover is one product within the OneChoice life-suite. Underwritten by Hollard Insurance Company Pty Limited, an Australian general insurer with NZ presence.
What they offer
- Funeral cover as a direct-to-consumer product
- Online application and quote tool
- Minimal-question or guaranteed-acceptance bands typical of direct products
Distinctive points
- Direct-to-consumer — no adviser channel
- Underwritten by Hollard (Australian general insurer with NZ presence)
- Often features straightforward, capped cover suitable for entry-level buyers
- Online application typically completes in minutes
What to compare on
- Premium at your age and sum-insured. Quote with OneChoice and at least two other NZ funeral insurers.
- Cover band ceilings. Direct-to-consumer products often cap at lower sums than adviser-distributed insurers — confirm current ceiling.
- Waiting period. Direct products with minimal underwriting often have longer waits — read the wording.
- Premium structure. Stepped vs level — direct specialists often default to stepped.
- Underwriting questions. Some direct products are guaranteed-acceptance, others ask a small number of health questions — understand which.
- Wording exclusions. Direct products sometimes carry broader exclusions in exchange for the no-medical convenience.
Where to quote
See our provider directory for the other NZ funeral insurers.