Funeral Insurance

Give your family up to $30,000 to help with life’s closing act

Customers rate us

4.7/5 from 290 reviews

OneChoice Funeral Insurance

When you’re done mastering the art of life, OneChoice Funeral Insurance gives your family up to $30,000 to help with funeral costs or any other outstanding expenses. Now you can plan the perfect farewell without cutting back on the guest list, skipping the catering, or breaking open the savings jar — we’ve got your loved ones covered.

What you get with OneChoice Funeral Insurance:

Your cover, your way

Don’t settle for cover that doesn’t fit right. With OneChoice Funeral Insurance, you can choose a level of cover that works just for you, from $3,000 up to $30,000.

Guaranteed acceptance for New Zealand residents aged 18 – 79

Just ask. We won’t say no. There are no medicals or blood tests needed either.

Fast payout to your family

We pay most claims within 1 business day after receiving the required paperwork. When it’s time for a funeral or tangi, your loved ones can focus on honouring your memory — not paying for it.

Happy 85ᵗʰ birthday

You’re only 85 once, so for reaching the big milestone, we’ll add 25% Bonus Cover to your policy at no additional cost.

No more premiums after age 85

Keep the celebration going, as you’ll no longer have to pay to stay covered (hip-hip, hooray!).

Cover for terminal illnesses

Be ready for life’s curveballs with your benefit amount paid in full if you’re diagnosed with 12 months or less to live (cover is for accidental serious injury and accidental death only in the first 12 months).

Level premiums with no annual increase

There’s no guesswork with OneChoice. Your premiums won’t go up every year¹ so you know exactly how much you need to pay. You can’t get a refund on premiums after the cooling-off period – sorry.

Triple benefit for accidental death

If life catches you by surprise, your loved ones will receive a triple payout of up $90,000. It’s our way of helping you expect the unexpected.

Early Cash Out Option

If you’d rather go your own way, you can end your policy any time after you turn 85 and get 75% of your benefit amount paid to you — no hard feelings. Keep in mind that this payout won’t include Bonus Cover, and you’ll no longer be able to claim as this option will cancel your policy.

Guaranteed cash payout for an even happier 100ᵗʰ birthday

At age 100, we’ll end your cover and give you 125% of your benefit amount to spend any way you like. Not a bad way to celebrate the last century.

Triple benefit for accidental serious injury

You’re covered until the age of 75 if you suffer an accidental serious injury and we’ll triple your benefit amount (up to $90,000). Use it for medical bills, recovery costs, or to turn life’s lemons into lemonade.

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Get to know funeral insurance

What is funeral insurance?

Funeral insurance is a financial cover for your family to pay for funeral costs or other end-of-life expenses after you pass away. It can also cover you for major setbacks like a terminal illness or accidental serious injury. Read more

How funeral insurance works

Funeral insurance pays a lump-sump benefit to your estate or your nominated beneficiaries when you pass away. At the time of applying for cover, you can choose a benefit amount of up to $30,000 which can go towards paying for your funeral costs or any other expenses that you leave behind like debts. Read more

How much is funeral insurance?

Funeral insurance doesn’t come with a set price tag, so there’s no way of knowing how much you’ll pay until you get a personal quote. Read more

Pre-paying your funeral vs. taking out funeral insurance

A pre-paid funeral (sometimes called a funeral plan) allows you to plan and pay for your funeral ahead of time at today's prices, either through a lump sum payment or instalments. Read more

Award-winning insurance

At OneChoice we’re proud to provide award-winning service and value to our fellow Kiwis.

OneChoice - the Kiwi choice

We look out for our family too (that’s you). With OneChoice, you can take on life with confidence, knowing we’ve got you covered.

OneChoice: the smart choice

We’re all for Kiwis

We love what we do and who we do it for. That’s why our cover is designed just for Kiwis (that’s you - not the bird).

Built on success

Your policy is issued by Pinnacle Life and backed by Hannover Re, one of the world’s leading underwriters. So you’re in safe hands.

Insurance, but simple

Life’s too short for confusing paperwork. We skip the medicals and forms to apply by asking you questions over the phone.

Have it your way

Our insurance gives you heaps of choice – from your cover amount, payment frequency, your beneficiaries, and more. You’re in control.

Funeral insurance with a guaranteed cash payout. For real.

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Still reading?

Frequently asked questions

Are funeral costs covered by life insurance?

Some life insurance policies offer advanced payments to help with sudden funeral or tangi costs after you pass away. You’ll need to check what’s offered by each provider as each one is different.

Can I buy funeral insurance for someone else?

Yes. You may be able to buy funeral insurance on behalf of a family member or friend as long as they agree to the policy and meet the application criteria.

Can I change my funeral insurance provider?

Most funeral insurance policies don’t have minimum contract terms so you can always switch providers if you find a better deal. But keep in mind that you may lose any benefits that you’ve accumulated. Funeral insurance is not a savings plan so you won’t be refunded for your accumulated premiums either.

Does funeral insurance cover transport costs?

Yes. The great thing about funeral insurance is that your family can use the money however they want. This means they can organise the perfect farewell or even leave some money aside for other costs that might come up.

More FAQs & Help

The total amount of premiums payable over the life of the policy has the potential to exceed the cover amount.
What are some of the normal costs of a funeral? - Cab.org.nz
Reforming death: The funeral sector tackles change as options for families grow - Stuff.co.nz

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