AA Life Funeral Cover vs OneChoice Funeral Insurance: 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 limits verbatim.
AA Life Funeral Insurance — AA Life Funeral Cover
Wording version 2026-05-21
max renewal age: Cover continues after age 90 (premiums cease at policy anniversary after age 90) until a claim is accepted, death occurs, or the policy is cancelled.
OneChoice Funeral Insurance — OneChoice Funeral Insurance
Wording version 2021-05-23
entry age max: 79 max renewal age: Cover continues until the Life Insured's 100th birthday, at which point the Funeral Insurance Benefit Amount (plus Bonus Cover) is paid and cover ends. No age-based renewal cutoff prior to that — cover is guaranteed to continue provided premiums are paid and Policy terms are met. entry age min: 18
Source: https://www.onechoice.co.nz/documents/onechoice-funeral-insurance-policy-document.pdf