Chubb Life LifeOne 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.
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.
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