Funeral Insurance – Compare 10 top funeral covers

Funeral Insurance made easy for you. Compare many leading brands in one place. We are here to help, free free to as us anything.

Funeral Insurance is designed to pay a lump sum to help your spouse or family pay for your funeral expenses. Premiums are fixed for life and acceptance is guaranteed with no health questions asked.

Please complete the enquiry form so we can promptly send you a comparison chart highlighting the differences in benefits between many of the top funeral covers such as Cigna Funeral Insurance, AA Funeral Plan, Pinnacle Life, State, AMI, Partners Life and others.

We will also email a range of quotes from leading insurers so you can compare and save. We will include covers for $7500 and beyond from a minimum 5 leading NZ insurers (where such a number of options exist).

Key points to Funeral Insurance in New Zealand

  • Typically you need to be aged between 30 and 85 to buy funeral insurance
  • Funeral Cover sum insureds range from $5000 to $30000
  • Acceptance is guaranteed, there are no health questions asked at any time
  • Funeral Cover premiums are fixed for life, no age related yearly increases
  • You nominate your beneficiary at the time you take out the funeral plan
  • Claims are paid within 48 hours of all proof of passing is received by the insurer
  • You need to consider ‘niche’ insurers not just the traditional major players
  • Some funeral covers have age cut of points where cover then continues for free
  • You usually pay by direct debit but options exist to pay monthly by internet banking
  • Some funeral plans have extras such as free additional accidental death cover
  • You can cancel your funeral insurance at any time but there is no ‘surrender’ value
  • Most insurers allow online applications or it is an easy one age application form
  • You do need to live in NZ and be a citizen or resident to buy funeral insurance
  • Most funeral covers NZ allow a discount of up to 20% for a joint application

Funeral Insurance in New Zealand is designed as a hassle free, fast, cash payout to your nominated beneficiary

Funeral Insurance NZ (also known as funeral cover NZ, funeral plans NZ) is not an insurance type as common, or as well understood as life insurance, car insurance etc. But it is becoming more and more sought after as people start to realise what a straightforward insurance it is and how necessary the benefit is.

We tend to recommend, where possible, funeral insurance covers where there is some cut off age for premiums ie there are options where you pay to age 85 and then cover continues for free thereafter. These covers help to lessen the odds of paying too much more in premiums than the sum insured.

People often do not realise that funeral insurance in New Zealand is guaranteed acceptance with no pesky health questions and that the premiums are also fixed at the time the policy starts so you never have to worry about future premium increases.

From our experience, claims are also paid quickly and easily as the policy does not have health declarations to verify as with the likes of life insurance. Claims are typically paid to your nominated beneficiary within 48 hours of all the required information being provided to the insurance company (as the requirements are not onerous).

For a comprehensive email that includes policy comparisons and premiums please complete our no obligation enquiry form below.

Applicant 1 Name*
Applicant 1 Age*
Applicant 1 male or female?*
Applicant 1 Smoker Status
Applicant 2 name
Appl 2 relationship to appl 1
Appl 2 age?
Appl 2 male or female?
Appl 2 smoker status?
New or replacement insurance?
Any Questions ?