Fidelity Life Funeral Cover

Almost every NZ funeral insurance policy applies a non-accidental-death waiting period (commonly 12 or 24 months) before the full sum-insured pays. Death from accident is typically covered from day one. This is the single most important clause for buyers signing up while in poor health.

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NZ funeral policies offer different sum-insured options — typically low-to-mid five-figure cover. Maximum caps vary by entry age. This page documents each insurer's sum-insured offering verbatim.

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NZ funeral premiums are mostly stepped (rise with age) or level (flat within a tier). The shape decides whole-of-life cost — stepped is cheaper at signup but compounds. Some policies stop charging premium past a defined age.

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Most NZ funeral insurers cap entry age in the late 70s or low 80s. Some products don't accept new business beyond a certain age band. This page documents each insurer's entry-age and renewal-age limits verbatim.

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Some NZ funeral cover is offered guaranteed-acceptance (no medical questions); others require a short medical questionnaire. The trade-off: guaranteed-acceptance pricing is higher and waiting periods longer. This page documents each insurer's underwriting approach verbatim.

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Funeral costs rise over decades; a fixed sum-insured at signup may not cover the funeral at claim time. Some NZ insurers CPI-index the sum-insured; others leave it fixed. This page documents each insurer's indexation approach verbatim.

indexation rules: If CPI Increases are included in this cover, the policy schedule will state it. The last increase under CPI Increases for the insured person under Life Cover will be applied on the earliest of: the policy anniversary after their 65th birthday, or the total sum insured for all life type covers for the insured person with us and any other insurer, reaching $10,000,000.

Standard exclusions across NZ funeral insurance: death by suicide in the first 12-13 months, war, criminal activity, intoxication-related death. This page lists each insurer's exclusion clause verbatim.

exclusions: • We will cancel the cover, or the increased portion of cover, and retain any premiums paid if the insured person, whether sane or insane, dies by their own hand within 13 months of: the start date or the date of reinstatement, or the date of any increases in the sum insured, excluding increases due to CPI Increases. • Child's Funeral Assistance Benefit: death doesn't directly result from a known congenital condition, or any child pre-existing condition • Child's Funeral Assistance Benefit: death hasn't occurred within three months of the start date or reinstatement of their parent's Life Cover • Repatriation Benefit will not pay direct costs which can be or have been claimed, reimbursed, or paid for, under any of the following: a travel insurance policy, any other insurance policy, government aid or assistance, any other source. • Repatriation Benefit does not cover: the insured person's funeral, cremation, or the transportation of their ashes, or burial; the transportation or accommodation cost for a person to accompany the coffin or casket for repatriation; the transportation of the coffin or casket following its arrival in New Zealand or their home country; any other cost which is not a direct cost.