About Pinnacle Life
Pinnacle Life Insurance Limited is one of NZ's largest direct-to-consumer life insurers and the only major NZ insurer focused predominantly on online-only funeral and life cover. Funeral cover is a standalone product, sold direct via the company's public quote tool — no adviser required.
What they offer
- Standalone funeral cover with a public online quote tool
- Life cover and other related products via the same direct channel
- Quote and bind entirely online without an adviser
Distinctive points
- NZ's largest direct funeral specialist
- Public quote tool — transparent pricing without phone call or adviser
- Online-first business model — most application flows complete digitally
- Standalone funeral product, not bundled into a wider life suite
What to compare on
- Premium at your age and sum-insured. Pinnacle's public quote tool makes price discovery trivial — quote with Pinnacle and at least two other NZ insurers.
- Maximum entry age and cover amount. Confirm current limits via the quote tool itself — entering your details will show what's available.
- Waiting period. Most NZ funeral policies wait 12-24 months on non-accidental death.
- Premium structure. Stepped vs level — different long-run costs.
- Claim payment speed. Confirm timeline commitments.
- Wording exclusions. Read the policy document.
Where to quote
- Pinnacle Life's online quote tool — the entire flow is online
See our provider directory for the other NZ funeral insurers.