Funeral Cover NZ

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Chubb Life Funeral Cover

A simple way to leave a lasting gift

You’ve spent your life protecting your family. With Funeral insurance from Chubb Life (formerly Cigna), you can keep doing that by easing the financial burden of funeral costs when the time comes. Our simple and affordable policies can help you leave behind peace of mind, not paperwork.

Why more Kiwis are choosing Chubb Life Funeral Cover

Funerals aren’t easy to talk about. But not talking about them won’t pay for them. Chubb Life Funeral Cover can help you take care of your family after you’re gone—without them having to worry about money.

  • You're covered immediately for accidental death.
  • You’re fully covered for all causes after just 24 months.
  • Pass away within the first 24 months? We refund 100% of your premiums.
  • Not quite right for you? Cancel within 30 days for a full refund.
  • Apply online in minutes or speak to someone who understands.

Get your instant quote now

The Benefits Speak for Themselves
Guaranteed acceptance

If you’re aged 50–80 and meet NZ residency criteria, you’re in. No medicals. No fuss.

Joint discount

Apply with your partner or a family member and get 20% off your premiums.

Flexible cover amounts

Choose what works for your budget—up to $30,000 of cover.

Fast claims

Funeral costs can’t wait. We usually pay out within 48 hours of claim approval.

Understanding Funeral Cover Play icon

Understanding Funeral Cover

Why do you need funeral insurance? What's the average cost or price of a funeral? What are the cost considerations - a burial or cremation? Flowers, an obituary, refreshments, funeral homes, a coffin, transport (hearse)? 

How do premiums (payments) work? How do you many a claim and how quickly will you receive the payment for the funeral? 

To understand more about Chubb Life Funeral Cover watch this short explainer video. 

FAQS
Frequently asked questions

To be eligible for Chubb Life Funeral Cover :

  • Each life assured can only be covered for a maximum of $30,000 in sum insured across all Funeral Cover policies provided by Chubb Life. If this limit is exceeded, the cover under the policy may be reduced or cancelled.
  • The applicant and/or all persons to be insured must be a New Zealand Citizen, Australian Citizen, or a New Zealand Permanent Resident Visa holder and living in New Zealand at the time of application.

If you purchase Funeral Cover, you become the policy owner and can choose (or nominate) a beneficiary for each life assured.

A beneficiary is someone chosen to receive the funds from the policy after the life assured passes away, and they can use this money as they like. It’s best to choose someone you trust and who will most likely be responsible for arranging the funeral or taking care of financial matters.

Nominating a beneficiary to receive funds from your policy ensures that these funds will go directly to the person you've nominated, rather than being paid to an estate. This can make it easier and faster at claim time.

As long as the terms and conditions are met and the premiums are up to date, we’ll pay the sum insured for the relevant cover to the nominated beneficiary for that life assured. 

If the life assured can no longer look after themselves at home and needs to go into long-term care, you can apply to have the premiums waived.

If your application for this Long-Term Care Premium Waiver is accepted, you will not have to pay any future premiums for the relevant cover, but the cover will continue under the policy.

This Long-Term Care Premium Waiver benefit applies separately for each amount of cover on the policy for the life assured.

For more information on eligibility and T&C's, please refer to the Policy Document

With this Funeral Cover policy, premiums are paid until the policy is claimed on, the life insured reaches age 90 or the life insured goes into long term care as per the policy wording. So, the amount of premiums paid may end up being more or less than the cover amount paid out at claim time.

Chubb Life
Chubb Life

Making funerals easier on you and your family

Don’t leave your family with bills. Leave them with breathing room, support and the time to grieve without the extra stress.

Start your free quote today. It only takes a minute.

Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit www.ambest.com/ratings/guide.pdf