No-health-question cover after age 65

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.

After 65, new entry to Momentum Life's Quick Life, the no-health-question life cover for ages 18 to 65, is closed. What remains for ages 66 to 75 is Momentum's Funeral Insurance: acceptance guaranteed with no health questions, $3,000 to $30,000, and in the first 24 months only accidental death is paid. This page is about that product. It cannot replace a large life policy.

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

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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, and what is not

Product	Entry ages	Open to a new applicant aged 66 to 75?
Momentum Quick Life	18 to 65	No
Momentum Funeral Insurance	40 to 75	Yes
Either product over 75	n/a	No

Quick Life's wording voids a policy, with all premiums refunded, if the person's true age at the start was over 65. If you already hold Quick Life, it continues, and at 75 $20,000 of the benefit becomes free. Funeral Insurance's $30,000 limit applies per person across all Momentum funeral policies, and accidental death pays three times the benefit. Sources: Funeral Insurance Policy Wording and Quick Life Policy Wording, November 2025. For other insurers' funeral cover at these ages, see funeral insurance over 65.

The first 24 months

This is the rule that decides whether the product works for you.

Accident: if the death is a direct result of an accident and occurs within 90 days of it, the benefit is paid at three times the amount, from day one.
Any other cause in the first 24 months: no benefit is paid, and all premiums paid for that person are refunded.
After 24 months: the benefit is paid for death from any cause.
No pre-existing condition clause, and no separate suicide clause. The 24-month window is the only early restriction. Increasing the cover starts a new 24-month window for the increase.
No terminal illness benefit.

So a person with a serious illness today is exposed. If they die of it inside the 24 months, the premiums are refunded and no benefit is paid. That is how the product is designed. Our waiting periods page covers it in full.

How many years you would pay

Funeral Insurance premiums are fixed each year until the 89th birthday, then stop, and the cover continues for life. Payments can be fortnightly, monthly or annually; card payments carry a processing fee. The later you start, the fewer years you pay.

Age at entry	Years of premiums to the 89th birthday
66	23
70	19
75	14

QuoteHub shows no exact Momentum premium. The break-even method works with any figure. Take the benefit and divide by one year of premiums; that is how many years of paying it takes for total premiums to equal the benefit. As a made-up example, not a Momentum price: say a policy cost $600 a year for a $10,000 benefit: against that benefit the total paid reaches $10,000 after about 17 years, around age 83 for someone who joined at 66. Past that point they exceed the benefit. This is not a savings or investment plan. Depending on how long you keep your cover, the total premiums you pay could exceed the benefit paid. The benefit may not cover the cost of a funeral, which FDANZ's 2026 report puts at $11,700 for a cremation and $14,300 for a burial for 50 guests (FDANZ). Enter your own quote in the break-even calculator, and check the amount against the funeral cover amount calculator.

Premiums can also change. The wording allows a change for everyone on the plan, for a change in tax or other law, or claims experience significantly different from expected, on 30 days' written notice.

Who it can suit after 65

It may suit someone who has been declined for other cover, wants a lump sum set aside for funeral costs, and accepts the early period. It suits them less if they are in good health and could simply save the money, or if they need to protect an income or a debt. Each applicant must be a New Zealander: living in New Zealand and an NZ or Australian citizen, a permanent resident visa holder, or on a valid temporary work visa for at least 12 continuous months. The beneficiary must be a person, not a company or charity, so a funeral director cannot be named. Claims are usually paid within 24 to 48 hours of approval.

Alternatives to weigh

Saving. Money set aside in an account you do not touch carries none of the early-period risk. See funeral insurance versus saving.
A prepaid plan, which can affect Funeral Grant eligibility.
The Work and Income Funeral Grant, up to $2,697.43, which has its own tests and can be affected by other help (Work and Income).
Cover that asks health questions. Some insurers publish entry ages past 65, and a licensed adviser can ask them on your behalf. Acceptance is the insurer's decision. See guaranteed acceptance for seniors.

If you are over 75, Momentum has no product open to you; see guaranteed acceptance over 75.

Where to get advice

The buttons on this page open Momentum Life's online application; Funeral Insurance is the one that applies to your age. Momentum Life Limited has an A.M. Best financial strength rating of B (Fair), affirmed on 11 February 2026, which Momentum's own table groups in its "Vulnerable" range; see its financial strength page. A rating is 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. A licensed adviser can look at your whole position, including whether keeping existing cover is better. Advice is provided by Craig Smith Business Services Limited, trading as Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider (FSP712931). See the Funeral Cover page, the funeral insurance hub and the guaranteed acceptance hub.