Funeral insurance options from ages 66 to 75

Written by Henry Smith · Reviewed by Smiths Insurance & KiwiSaver, licensed Financial Advice Provider (FSP712931) · Updated 2026-10-20 · Reviewed quarterly, when the underlying data is restated.

Financial advice is provided by Craig Smith Business Services Limited, trading as Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider (FSP712931). QuoteHub is a trading name.

If you are aged 66 to 75, you can still apply for Momentum Life's Funeral Insurance, which has guaranteed acceptance and no health questions. Entry stops at age 75. The benefit ranges from $3,000 to $30,000, with level premiums fixed until your 89th birthday. Over 75, Momentum accepts no new applicants; other insurers go higher, and a licensed adviser can discuss alternatives.

Get a quote and apply online today

See your price in about a minute, then apply online with Momentum Life. Guaranteed acceptance, no health questions, no medical exams.

Funeral cover See your price Ages 40–75 · $3k–$30k Life cover See your price Ages 18–65 · $50k–$300k

Want more cover or have questions? Talk to an adviser

Funeral cover: Only accidental death is covered for the first 2 years. Total premiums can add up to more than the cover, and it may not meet the whole cost of a funeral.

Life cover: Conditions you already have aren't covered for the first 2 years (premiums refunded instead). Suicide isn't covered for the first 2 years, and a few conditions can be excluded permanently.

Insurer: Momentum Life Limited. Financial strength rating B (Fair) from AM Best, affirmed 11 February 2026; B ratings sit in AM Best's 'vulnerable' range. The rating scale is available for inspection at every Momentum Life office in New Zealand. What this means

Already have cover? Keep it. New cover won't pay for a condition you already have in its first 2 years.

Opens Momentum Life's online application; its guidance only covers eligibility. QuoteHub is a Momentum Life partner. Smiths Insurance & KiwiSaver may receive a commission if you buy. General information, not advice.

What is open from 66

Momentum's guaranteed-acceptance life cover, Quick Life, takes new applicants from 18 to 65 only, so from 66 Funeral Insurance is the one Momentum guaranteed-acceptance product you can start. Its wording says a policy started by someone whose true age was over 65 is void, with the premiums refunded (Momentum Life: Quick Life Policy Wording, November 2025). For the step before this, see funeral insurance over 60.

The Funeral Insurance rules, from the policy wording (Momentum Life: Funeral Insurance Policy Wording, 17 August 2023):

Ages 40 to 75, for New Zealanders as the wording defines them.
Benefit of $3,000 to $30,000, with a cap of $30,000 per person across all Momentum funeral policies.
No medical, health questions or paperwork, so no medical exam at any age.
In the first 24 months the benefit is paid only for accidental death within 90 days of the accident. A death from illness or any other non-accident cause in that window pays nothing, and Momentum refunds every premium paid for that person. From month 25, any cause is covered.
Premiums are fixed each year until the 89th birthday, then end, and cover continues for life. They can change for everyone on the same offer on 30 days' notice.
No terminal illness benefit.
The wording says total premiums could exceed the benefit and the benefit may not cover the whole funeral.

Years of premiums by starting age

Premiums stop at the 89th birthday, so the age you start sets the maximum number of years you pay. This is simple subtraction, not a price:

Age at start	Most years of premiums to the 89th birthday
66	23
68	21
70	19
72	17
75	14

Momentum publishes no funeral premium and QuoteHub does not publish one, so we do not show a total. Ask for the quoted premium and multiply it yourself. The break-even calculator can help.

Who else accepts new applicants from 66

As at 20 October 2026, from each insurer's own pages. The ages in the first column are the age you are when you apply:

Insurer	Open until	Early window	Premiums stop
Momentum Life	75	24 months, accident only; all premiums refunded on other death	89th birthday
NZ Seniors, OneChoice (Pinnacle Life)	79	12 months, accident only; OneChoice says no refund after cooling-off	85
AA Life (Asteron Life)	79	24 months; 100% premium refund on natural-cause death	Anniversary after 90th birthday
Chubb Life	80	24 months; 100% refund inside 24 months	At claim, at 90, or on entering long-term care
Unity	75	Applies, length not stated	Not stated
Greenwich Life	70	24 months	When total paid equals the benefit

This means a 66-year-old has all six to look at, and a 71-year-old has five. Greenwich Life's feature that premiums stop when the total paid equals the benefit is worth noting, because it is the only plan of those where you cannot pay more than the benefit. The full comparison is in our funeral insurance age limits guide.

What the 24-month window means at this age

The window is the same length at 66 as at 40, but its effect is different. If you die of an illness inside the first 24 months, Momentum pays nothing and refunds your premiums, so your family would need another source for the funeral. An accident is paid at three times the benefit. After the 24 months, death from any cause is covered. Increasing the benefit later starts a new 24-month window for the increase.

Check the free look too. Momentum's runs 30 days from the Acceptance Date, with a full refund if no claim has been made. See how funeral insurance works for the mechanics.

If you are close to 75

Nobody over 75 can start Momentum Funeral Insurance, so if you are near the limit, check the entry rule with Momentum before you rely on it. If you are 76 or older, the options are narrower; see guaranteed acceptance life insurance over 75 and funeral insurance over 80.

Where to get advice

Any Momentum Life button on this page opens Momentum's online application, which is for ages 40 to 75 only, and is one option among several insurers. Momentum Life Limited holds an A.M. Best rating of B (Fair), which Momentum's own table groups as "Vulnerable" (Momentum Life: Financial Strength). A rating is an opinion, not a recommendation. QuoteHub is a Momentum Life partner and Smiths Insurance & KiwiSaver may receive a commission if you buy a Momentum policy; see how we are paid. Advice is provided by Craig Smith Business Services Limited, trading as Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider (FSP712931). Back to the funeral insurance hub, or read Momentum Life Funeral Cover.

Get a quote and apply online today

See your price in about a minute, then apply online with Momentum Life. Guaranteed acceptance, no health questions, no medical exams.

Funeral cover See your price Ages 40–75 · $3k–$30k Life cover See your price Ages 18–65 · $50k–$300k

Want more cover or have questions? Talk to an adviser

Funeral cover: Only accidental death is covered for the first 2 years. Total premiums can add up to more than the cover, and it may not meet the whole cost of a funeral.

Already have cover? Keep it. New cover won't pay for a condition you already have in its first 2 years.

Adviser's view

From 66 you are choosing among funeral policies only. Entry ages, premium end ages and the early-death rule differ more than the headline benefit does, so those are the points to compare. Remember the benefit is small, total premiums can pass it, and a policy bought close to a cut-off age leaves little time for the 24-month window to pass.

Henry Smith, Financial Adviser (FSP1010699). General information, not personalised financial advice.

Talk to a licensed adviser about funeral cover · free, no obligation.

Cite this page QuoteHub NZ (2026). Funeral Insurance Over 65 NZ: Ages 66 to 75. www.quotehub.co.nz/funeral-insurance/funeral-insurance-over-65-nz. Updated 2026-10-20.

References

Explore related pages: Life Insurance, Income Protection, Health Insurance, Trauma Insurance, Referral.