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Compare the best, and cheapest, Funeral Insurance Covers in New Zealand

Funeral Insurance Comparison

Compare the Funeral Insurance criteria of Cigna Funeral Insurance / Cigna Funeral Cover, AA Life Funeral Cover, Pinnacle Life and Fidelity Life.


Funeral Covers can vary quite significantly so we have put together a comprehensive funeral insurance comparison chart so you can compare all main funeral plan insurers. Please complete the online enquiry form and we will email you the easy to read, two page, chart. 


But, in the meantime here is brief funeral insurance comparison of four options that are typically popular to consider.  


Pinnacle Life – entry age 30 to 75

  • After age 85 the funeral insurance premiums are cease, cover continues for free until needed at no extra cost post 85
  • $5000 extra death by accident cover while travelling overseas (if cover purchased in conjunction with Insurance Helpline)
  • No medical question asked, your acceptance is guaranteed
  • Cover yourself for $7,500, $10,000, $12,500, $15,000, $20,000 or $25,000
  • Where practical your claim will be paid within 24 hours of acceptance
  • You are covered for accidental death for the first 2 years and any death after that, for death by natural causes in the first 2 years your premium would be refunded


Cigna Life Insurance New Zealand Ltd – entry age 45 to 80

  • No health questions asked of you, the acceptance of cover is guaranteed
  • Premiums are paid to age 90, then cover continues for free
  • You can select from a range of covers level from $5000 to $30000
  • Immediate cover for death by accident and full cover after 24 months, if death by natural causes occurs in the first two year period 100% of premiums are refunded
  • Claims are typically paid within 48 hours of the claim being accepted


AA Life – entry age 50 to 79

  • No medical questions are asked, acceptance is guaranteed
  • Premiums are paid to age 90, then cover continues for free
  • You can select a cover amount between $5,000 to $30,000
  • Claims are paid within 48 hours of claims acceptance
  • You are covered immediately for accidental death, in the first two years if death is by natural causes then 100% of premiums is refunded


Fidelity Life (Funeral Fund) - entry age 17 to 65 next birthday

  • Cover is only available at $12,000
  • There are no health related questions are asked, guaranteed acceptance
  • Premiums are fixed, and paid, for 10 years only, then continues is free 
  • You are covered immediately for accidental death, in the first two years if death is by natural causes then premiums are refunded


Please note; If comparable information is not show for any insurer it is because the detail is unknown or unavailable. For full wordings please refer to the documents of each insurer. This information is provided by Insurance Helpline with best efforts to maintain accuracy


1. Premiums may be altered if there are law changes affecting Funeral Insurance 

2. Insurance Helpline are not agents for all insurers shown above, in those cases this information is obtained from their websites solely in the interests of providing comparative information

Please complete this form and we will email you a wide range of premiums estimates. Then you can really compare and decide what cover is best for you. We will also email our full  policy comparison chart. 

Thank you for contacting us. We will get back to you as soon as possible
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