NZ Seniors Funeral Insurance 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.
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
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