Funeral Cover

Funeral Insurance reduces the burden on your family after you’ve gone by providing money for your funeral.

It pays cash that can be used however your family needs so that they can focus on mourning and celebrating your life.

Apply online and you’ll receive 10% off your first year's premiums.  A joint policy is even better value because it costs 10% less than two single policies
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The average cost for a funeral is currently around $8,000 - $10,000 but can vary widely.*

Funeral Insurance provides an amount of cash (that you choose when you take out your policy) to pay for your funeral, or anything else your family needs. Once your beneficiary provides us with documentation we’ll pay the funds within 1 working day, so when the time comes your family will have one thing less to worry about.

*Citizens Advice Bureau

The Basics

Getting a policy

  • From $10,000 to $25,000, you choose the amount that’s right for you and your family. If you need help to work out the amount that's right for you, try our calculators.
  • You won’t need to answer any questions about your health.
  • You have to be aged between 50 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.
  • If you apply online you’ll automatically get a 10% discount on your payments for the first 2 years.
  • You’ll save an additional 10% 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 that you can buy with confidence.

Once your policy is in place

  • Your payments will remain the same every year, without 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 can pay monthly, half yearly or annually by direct debit
  • 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

  • For the first two years you’ll only be covered for accidental death, but after that you’ll be covered for any cause of death.
  • If you die in the first two years, and your death was not accidental but by some other cause, 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.
  • You and your family can organise the goodbye of your choice, we don’t tell you what to do with your payment so anything is possible.


Can I get cover for my parent/partner?

Yes, they simply need to apply. Note that it's the person getting insured who must provide the answers to the health questions on the application form and complete the declaration. When the policy is issued, the insured person will also be the policy owner. If they want to change that, they will need to request an update using the 'change of ownership' form included in the policy.

Do I get money back if I cancel?

No, you don’t. You can cancel this policy at any time; however, your payments are not refundable. The only exception is where you have paid either for six or 12 months in advance; in this case, we’ll refund the amount you have pre-paid. The same as for your typical car, contents and health insurance policies.

How does someone claim?

Information about making a claim can be found here.

Need help working out what life insurance you need?

Use our tool to do your own advice.
No need to talk to anyone (that means you can do it in your pajamas).

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