Get Covered Today
Planning ahead ensures your loved ones are financially protected when it matters most. Call or Text us on 022 159 0696 Or complete our online enquiry form to get a quote or apply today.
Funeral Insurance
The best way to learn about the cover, and to get quotes is to ring our
Insurance Helpline on 022 159 0696 (Open 7 days 8am to 8pm). Free and no obligation advice.
Funeral Insurance is a very simple, and affordable, way to cover your funeral expenses. Acceptance is guaranteed for New Zealand citizens and residents (living in NZ) aged 40-75 with premiums that never increase as you get older.
Through our network of leading New Zealand insurance companies we can source an ideal funeral insurance cover for you and then arrange it in one simple phone call to 022 159 0696 , all at no cost to you for our advisory service.
Funeral Insurance (also known as Funeral Cover) will promptly pay your nominated beneficiary your selected cover amount so your funeral expenses can be paid.
You can select any cover amount up to $30000 if you also wish to use some funds for any other purpose.
How Funeral Insurance Works in NZ
Funeral insurance is simple:
1. Choose your cover amount
You decide how much you want your beneficiary to receive.
2. Pay your premiums
Premiums are fixed, with no age-related or annual increases.
3. Your beneficiary is paid
When the insurer receives satisfactory evidence of death, the money is paid as a tax-free lump sum, usually within 24–48 hours.
There is no need to wait for your will to take effect, for probate, or for a lengthy claim investigation. Your beneficiary can use the money however you’ve instructed. Most commonly it pays for:
► The funeral and immediate costs
► Incidental costs, such as travel for family attending the funeral
► Small debts or final bills
Who Can Apply for Funeral Insurance?
You can apply if you are:
- Aged 40 to 75, and
- Currently living in New Zealand, and
- A NZ citizen, a NZ resident, or the holder of a work visa of 2 years or more
Under about 50? Standard life cover may sometimes suit you better than funeral insurance. If we think that's the case, we'll tell you.
How Much Does Funeral Insurance Cost in NZ?
The cost of funeral insurance depends on your age, the amount of cover, and the insurer and product you choose. Because premiums are fixed, the price you start on is the price you keep paying.
Here are some premium examples from a popular option as at May 2026 (for non-smokers). These premiums are fixed (never alter).
| Age & Gender | Cover Amount | Premium | Paid |
|---|---|---|---|
| Male, 65 | $7,000 | $15.81 | Per week |
| Female, 67 | $15,000 | $25.74 | Per week |
| Male, 70 | $5,000 | $30.77 | Per fortnight |
| Female, 60 | $10,000 | $63.84 | Per month |
Examples are for non-smokers and are indicative only. Your premium depends on your age, gender, smoker status, cover amount and the insurer. Complete the form for a personalised quote.
Funeral Insurance vs Life Insurance vs Prepaid Funeral Plans
| Feature | Funeral Insurance | Life Insurance | Prepaid Funeral Plan |
|---|---|---|---|
| Health questions | None (guaranteed acceptance) | Usually yes | Usually none |
| Payout goes to | Your nominated beneficiary | Your nominated beneficiary | A funeral director (for a pre-arranged funeral) |
| Flexibility | Cash to use as needed | Cash to use as needed | Limited to the plan's services |
| Cover amount | Smaller, aimed at funeral costs | Usually larger | Set to the funeral package |
| Best suited to | Ages 40–75 wanting simple, guaranteed cover | Younger or healthier applicants wanting higher cover | People wanting to lock in a specific funeral |
Not sure which is right for you? We'll compare the options and tell you honestly.
Why Get Your Funeral Insurance Through Insurance Helpline?
We're insurance advisors
Our service is free.
Same cost as going direct
Any option we provide costs the same as applying with the insurer yourself.
We compare multiple insurers
We compare multiple insurers and recommend the options that suit you.
Partner included?
We'll quote joint policy discounts where available.
Special offers
We'll include details of any current insurer offers in your quote.
Funeral Insurance FAQs
Funeral insurance is a policy that pays a tax-free lump sum to your nominated beneficiary when you die. It's designed to help cover funeral costs and related expenses so your family doesn't have to find the money themselves.
It depends on your age, the amount of cover and the insurer. Premiums are fixed, so they don't rise as you get older. Complete the enquiry form on this page and we'll email you personalised quotes.
You can apply if you're aged 40–75, live in New Zealand, and are a NZ citizen, a resident, or hold a work visa of at least 2 years.
No. Acceptance of cover is guaranteed and you'll never be asked any questions about your health.
Guaranteed-acceptance policies often limit the payout if death is from illness in the first one to two years, while accidental death is usually covered from the start. We'll explain the terms of each option in your quote.
Claims are typically paid within 24–48 hours of the insurer receiving satisfactory evidence of death. There's no need to wait for your will to take effect, for probate, or for a claim investigation.
Think about the likely cost of a funeral, plus extras such as travel for family and any small debts you'd like covered. You choose the cover amount when you apply, and we can help you pick one that fits your budget.
Whatever you've instructed your beneficiary. It's most commonly used to pay funeral costs, incidental costs for family travelling to the funeral, or to clear small debts.
Premiums are fixed, with no age-related or annual increases. With some options, premiums are paid to age 89 only, after which cover continues at no cost.
Funeral insurance pays a flexible cash lump sum with guaranteed acceptance. Life insurance usually offers larger cover but may involve health questions. A prepaid plan pays a funeral director for a pre-arranged funeral. If life cover suits you better, particularly if you're under about 50, we'll tell you.