Chubb Life LifeOne 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.
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.
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