AA Life Funeral Cover vs Fidelity Life Funeral Cover (LifeProtect rider): 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 longer. This page documents each insurer's underwriting approach verbatim.
AA Life Funeral Insurance — AA Life Funeral Cover
Wording version 2026-05-21
guaranteed acceptance: Not explicitly stated as guaranteed acceptance — no medical underwriting questions described, but the policy does not use the phrase 'guaranteed acceptance'. medical underwriting rules: No medical underwriting questions described for policy issue. When a claim for terminal illness is made, we may require you to have one or more medical examinations at our expense.
Fidelity Life Funeral Cover — Fidelity Life Funeral Cover (LifeProtect rider)
Wording version 2025-04-30
Not on file for this product.
Source: https://www.fidelitylife.co.nz/media/rhwnwmfn/life-protect-life-cover-policy-wording.pdf