Comparing policies from New Zealand's leading providers
The average NZ funeral or tangi costs $10,000–$15,000. Compare top providers in 2 minutes and make sure your family never has to face that bill alone.
GET FREE COMPARISON →Takes less than 2 minutes · No medical required · 100% free
Getting the right funeral insurance doesn't have to be complicated. Here's how we make it simple — in three easy steps.
Answer a few quick questions about who you're covering, your age, health, and how much cover you need.
Under 2 minutesBased on your answers, we instantly connect you with the independent authorised financial adviser best suited to your situation.
Instant matchYour adviser contacts you — usually within one hour — with a personalised comparison of the best options available for you.
Within 1 hour
When someone passes away without funeral insurance, the financial burden falls entirely on the family — often at the worst possible time. In New Zealand, the average funeral or tangi costs between $10,000 and $15,000, and that figure can climb significantly higher depending on the service, location, and cultural requirements.
Many families are forced to dip into savings, take on debt, or delay the service while trying to organise funds. This adds enormous stress to an already devastating time.
Funeral insurance is designed to eliminate that burden entirely. A small, fixed monthly premium means your family receives a lump sum payout within 1 business day — so they can focus on grieving, not finances.
Our independent advisers compare AIA, Fidelity Life, Partners Life and more — at no cost to you.
Not all funeral insurance policies are the same. Premiums, waiting periods, payout speed, and what happens at age 85 all vary significantly between providers — and without comparing, you could end up paying more for less cover.
Our independent advisers compare policies side by side, explain the differences in plain English, and match you with the best option based on your age, health, and budget.
Most NZ funeral insurance providers accept new applicants between 40 and 79 years of age with guaranteed acceptance — no medical exam, no blood tests, no complicated paperwork. This makes funeral cover one of the most accessible forms of insurance available to older New Zealanders.
Premiums are level and fixed, meaning they will not increase as you get older year-on-year. Once you reach 85, most major providers stop charging premiums entirely — and many add a 25% bonus to your cover amount as a loyalty reward.
Whether you are 40 and planning ahead, or 75 and sorting your affairs, there is a policy available for your situation.
I was nervous about the whole process but it couldn't have been easier. The adviser called within the hour, explained everything clearly and had me covered the same day.
Verify on Google ↗After seeing what our family went through financially when dad passed, I was determined to sort this out. The comparison was genuinely useful — I ended up with better cover at a lower price.
Verify on Google ↗Blake was incredibly helpful and patient with all my questions. He made sure I understood exactly what I was getting and didn't push me into anything I didn't need. Very professional.
Verify on Google ↗I asked many questions about my policy and was answered with clarity every time. The adviser simplified everything for me and I felt very well supported throughout the whole process.
Verify on Google ↗Quick and easy. They actually listened to what I wanted and didn't try to push anything else onto me. Got exactly the cover I needed at a price I was comfortable with.
Verify on Google ↗Very knowledgeable and prompt when responding to queries. The whole process was straightforward and I had cover confirmed within 24 hours of my initial enquiry.
Verify on Google ↗
Many people ask: "What am I actually covered for?" Funeral insurance is simpler than most people expect. You pay a fixed monthly premium, and when you pass away, your nominated beneficiaries receive a lump sum payout within 1 business day.
"Every day in NZ, families are surprised by how much a funeral costs."
The average funeral or tangi in New Zealand costs $10,000–$15,000. Without cover in place, that burden falls on your whānau.
Unlike standard life insurance, funeral cover requires no medical exam, no blood tests, and offers guaranteed acceptance up to age 79 — regardless of your health history.
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