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Funeral Cover

This policy pays cash to pay for your funeral so when the time comes your family will have one thing less to worry about.

Funeral Cover

Here’s the basics:

Getting a policy

  • You choose the amount that’s right for you and your family, from $7,500 to $25,000. Our calculator may help you decide the amount that's right for you.
  • You have to be aged between 30 and 75 to get a policy, and be a New Zealand citizen, or have a valid NZ residency visa and be living in New Zealand.
  • You won’t need to answer any questions about your health.
  • You’ll automatically get a 10% discount on your payments for the first 2 years
  • You’ll save an additional 20% on your payments if you buy a joint policy. A joint policy covers both you and your partner and pays out on each death.
  • All of our policies have a 30 day free look period, so you can buy with confidence.

Once your policy is in place

  • Your payments remain the same each year, without ever increasing (the online discount will drop off after the first two years).
  • You’ll only pay for this policy until aged 85, after which your cover continues free of charge until you die.
  • You choose how you pay – monthly, half yearly or annually and by direct debit, credit card, automatic payment or via internet banking.
  • If you have 2 or more Pinnacle Life policies paid by direct debit from one bank account, the second and subsequent policies will be discounted by $24 per year.
  • You can decrease your cover or cancel this policy at any time without penalty.

When you need to claim on your policy

  • You’ll be covered for accidental death for the first two years and for any cause of death after that.
  • If you die in the first two years, and your death was not accidental, we’ll return all the payments to your chosen beneficiary.
  • Your claim will be paid in New Zealand Dollars within 24 hours of acceptance, to the beneficiary of your choice, anywhere in the world.
  • We don’t tell you what to do with the payment, so you and your family can organise the goodbye of your choice.