AA Life Funeral Cover vs NZ Seniors Funeral Insurance: 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.
NZ Seniors Funeral Insurance — NZ Seniors Funeral Insurance
Wording version 2026-05-18
guaranteed acceptance: Guaranteed acceptance is implied for eligible applicants (New Zealand Residents aged 18–79) with no medical underwriting; however, the policy does not use the phrase 'guaranteed acceptance' explicitly. medical underwriting rules: No medical underwriting requirements described. Eligibility is based solely on age (18–79) and New Zealand residency status at time of application.
Source: https://www.nzseniors.co.nz/documents/seniors-funeral-insurance-policy-document.pdf