Chubb Life LifeOne 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.
Chubb Life Funeral Cover — Chubb Life LifeOne Funeral Cover
Wording version 2026-05-21
medical underwriting rules: Any medical information required to support a claim must be provided by appropriately qualified medical practitioners registered in New Zealand or Australia (or any other country Chubb Life approves). No underwriting medical requirements are described in the policy wording.
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