AIA Living Funeral Cover vs OneChoice 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.
AIA Funeral Cover — AIA Living Funeral Cover
Wording version 2026-05-21
Not on file for this product.
OneChoice Funeral Insurance — OneChoice Funeral Insurance
Wording version 2021-05-23
guaranteed acceptance: Yes medical underwriting rules: No medical underwriting is required. The policy is available to any New Zealand Resident aged 18–79. There is a duty of disclosure obligation on the applicant, and failure to comply may result in reduced liability or Policy cancellation, but no medical examinations or health questions are referenced as a condition of acceptance.
Source: https://www.onechoice.co.nz/documents/onechoice-funeral-insurance-policy-document.pdf