NZ Seniors Funeral Insurance 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.
NZ Seniors Funeral Insurance — NZ Seniors Funeral Insurance
Wording version 2026-05-18
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), subject to the Policy remaining in force and premiums being paid up to age 85. entry age min: 18
Source: https://www.nzseniors.co.nz/documents/seniors-funeral-insurance-policy-document.pdf
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