NZ funeral insurance — topic comparisons
Side-by-side breakdowns of how every NZ funeral insurer handles the highest-stakes cover questions — sourced from each insurer's policy wording where publicly available.
Waiting period
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 on…
Compare across insurers →Sum-insured ranges
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.
Compare across insurers →Premium structure
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 pre…
Compare across insurers →Entry age + renewal
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 limit…
Compare across insurers →Underwriting
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 …
Compare across insurers →Indexation
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 insu…
Compare across insurers →Exclusions
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 verbati…
Compare across insurers →Data source
NZ funeral cover is predominantly adviser-distributed or quote-form-only — public PDS PDFs
are scarce. Topic content currently shows the structural fact-keys we track per insurer;
per-product clauses will populate as we ingest wordings. Machine-readable equivalents at
/api/topic/{slug}/summary.md and
/api/topic/{slug}/facts.json.