Funeral Cover NZ Quotes, Funeral Insurance, Funeral Insurance Comparison, Health Insurance, Life Insurance, Life Insurance Quotes

                                                                                 

Funeral Insurance is almost certainly the easiest of all insurances to obtain. It is pretty much if you want it you can get it. The only criteria that might prevent you from getting cover is if you fall outside the age entry criteria, but given it is available for ages 17-85 that is uncommon. 

The reason it is so easy is because it is what is known in the indusry as a non underwrittten insurance type. That means there are no questions asked of you that need to be assess...

As insurance advisors ourselves we are the first to admit that the options are almost endless when it comes to choosing your life insurance. There are many insurers and also many banks who offer cover.

To complicate it the premiums for life insurance across the different insurers are not hugely different as say when you compare car insurance premiums. The reason for this is that life insurance quotes are largely based on the average life expectancy of people in NZ which is e...

The ages of those who buy funeral insurance is surprisingly diverse. For a real life snap shot here are the ages and sexes of the 10 most recent policies we have arranged for our clients.

Male (70) and Female (67)

Female (57)

Female (48)

Male (72)

Female (65)and Male (67)

Male (53) and Female (46)

Female (70)

Male (55) and Female (52)

Female (60)

Female (59)

This is a one off snap shot so you can read in to it whatever you wis...

The main reason funeral insurance exists is that we do not know when we will pass away, therefore on the basis that it could be sooner, rather than later, we need to prepare for that unfortunate eventuality. That pretty much sums up insurance. It is there for the unexpected. But if you live a long life the cover is still there for you too.

Most people who buy funeral insurance do not have a large lump sum of money sitting aside that can be used for such purpose when the tim...

So called experts say the number of people without Life Insurance is far too high in NZ and as a nation was are under-insured in this area. But in reality there are large chunks of the population who simply do not require life insurance anyway.

Children obviously, those younger adults without debt and / or dependants and at the other end of the scale, the much older people without debt or where their sons or daughters no longer need your financial assistance to survive afte...

With a typical life insurance policy you have two options regarding the ownership.

You can have yourself as both the insured person and the policy owner. This means when the time comes to claim the proceeds will be paid to, and distributed, as per your will / estate. This is ideal if you have specific requirements as to what you want to happen to the money. The money can be distributed in accordance with your will but be aware this could mean a delay in settlement while prob...

When the time comes for your funeral insurance claim payout the good news is that the money is paid in a simple cash lump sum to your nominated beneficiary. So, that person can use the money to meet what ever expenses are necessary with your funeral or related matters.

For some reason, there seems to be a common misconception that at claim time you have to present funeral home invoices, bills for flowers etc to the insurance company when you claim. This is just not the case...