Check which guaranteed acceptance cover fits your age

This checker compares your age and residency with the entry rules of Momentum Life’s two guaranteed acceptance products. Quick Life takes applicants aged 18 to 65 and Funeral Insurance takes New Zealanders aged 40 to 75. Neither asks a health question and this tool does not either. It reports facts about the rules, not a decision: Momentum decides every application.

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.

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

Want more than $300k or have questions? Talk to an adviser

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.

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.

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.

Your age and residency

Two questions, and no health questions. Nothing you enter is stored, sent or tracked.

Age in whole years at the time of applying.

Enter an age and choose a residency answer to see which product’s entry rules fit. Nothing is shown until both are in.

The entry rules side by side

Entry rules of Momentum Life Quick Life and Funeral Insurance

Rule	Quick Life (life cover)	Funeral Insurance
Entry age	18 to 65	40 to 75
Citizen or permanent resident living in NZ	Meets the residency rule	Meets the residency rule
Temporary work visa	6 months or more in New Zealand	12 months or more, continuously, in New Zealand
Health questions	None at application	None at application
Cover	$50,000 to $300,000 per life insured	$3,000 to $30,000 benefit
First restriction	First 2 years: pre-existing conditions and suicide excluded	First 24 months: accidental death only; premiums refunded for any other death
Premiums	Stepped to 75, then fixed	Level until the 89th birthday, then none

Sources: Momentum Life Quick Life page and policy wording (November 2025); Funeral Insurance policy wording. Retrieved 17 October 2026.

How to use the checker

Enter the age of the person who would be covered, in whole years.
Choose the residency answer that describes them. If it is a work visa, enter the months they have been in New Zealand continuously.
Read the result for each product. It says whether the age and residency sit inside that product’s published rules, and says why when they do not.

The result is a statement about rules. It does not say you will be accepted or that either product suits you.

How the age rules work

Each product has an entry age band, and the two overlap only between 40 and 65. Under 40 only Quick Life is open. From 66 to 75 only Funeral Insurance is. Over 75 neither takes new applicants. Quick Life’s own wording adds a consequence: if the correct age at the cover start date was over 65, the policy is void from the start and all premiums are refunded, so the age must be stated correctly.

The age band is about when cover starts, not how long it lasts. Quick Life cover stays in force after 65, with premiums stepping until 75 and fixed from then. Funeral Insurance premiums stop at the 89th birthday and cover continues for life. Our Quick Life page and Funeral Insurance page set out each product, and the

stepped premium projection

shows how a stepped premium can grow.

Why residency status matters

Both products are for people who live in New Zealand, and both wordings define who counts. A New Zealander is someone who lives in New Zealand and holds New Zealand or Australian citizenship or a New Zealand permanent resident visa, or is on a temporary work visa and has been in New Zealand long enough. The wordings set that time at 6 months for Quick Life and 12 months, continuously, for Funeral Insurance, so a recent arrival on a work visa can fit one product and not the other. Other visas are not named in the definitions.

If you are on a visa that is not listed here, the checker treats the answer as outside the published rules. That is a statement about the wording, not a ruling on your case, and a licensed adviser or Momentum can confirm how your visa is treated.

Quick Life eligibility rules (ages 18 to 65)

New Zealand residents aged 18 to 65 are accepted without health questions or medical exams.
Cover is $50,000 to $300,000 per life insured, with 3% indexation at each policy anniversary until 75 or a $500,000 cap per life insured. You can opt out of an increase.
The 2-year rule. In the first 2 years pre-existing conditions and suicide are excluded. If death from a pre-existing condition happens in that window and no claim is payable, premiums are refunded. Afterwards pre-existing conditions are covered, except any listed in the policy schedule.
Momentum’s website says Quick Life is not available to applicants diagnosed with a terminal illness or in palliative or hospice care. A person can be inside the age and residency rules and still fall outside that one.

Funeral Insurance eligibility rules (ages 40 to 75)

New Zealanders aged 40 to 75 are accepted without medicals, health questions or paperwork.
The benefit is $3,000 to $30,000 towards costs, and total premiums can end up larger than the benefit.
The 24-month rule. In the first 24 months the benefit is paid only for accidental death. Any other death in that window pays nothing, and all premiums paid for that person are refunded. After 24 months the benefit is paid for death from any cause.
An adult child can own a policy on a parent. This checker asks for the age of the person who would be covered.
There is no terminal illness benefit.

See the funeral insurance hub for costs, the grant and how the product compares.

What options exist if you are 76 or older?

Neither Momentum product accepts new applicants over 75, and this page does not suggest otherwise. What is open at that age depends on the insurer and the product, and it changes. Our pages on

guaranteed acceptance life insurance over 75

and

funeral insurance over 70

go into it. A licensed adviser can say what is open for your situation.

Guaranteed acceptance versus speaking to an adviser

Guaranteed acceptance suits people who would be declined or heavily loaded elsewhere, or who want cover in place in minutes without questions. A healthy person can usually get more cover for less with fully underwritten cover through an adviser. Both Momentum products restrict the first years, which fully underwritten cover does not do in the same way. Our

guaranteed acceptance hub

and the guide to

what guaranteed acceptance is

lay out the trade-off.

For a rough idea of how much cover you may need first, use the

life insurance calculator

Frequently asked questions

Does this checker ask about my health?

No. It asks age and residency only, because neither product asks a health question at application. That is also why it cannot test Momentum’s website rule on terminal illness and palliative care.

Does a good result mean I will be accepted?

No. It means your age and residency sit inside the published entry rules. Momentum decides the application.

Why is Funeral Insurance not offered below 40?

Its entry age starts at 40, and the checker follows the wording.

Is my information kept?

No. The checker runs in your browser and nothing is stored, sent or tracked.

Sources

Momentum Life: Quick Life insurance, with its policy wording (November 2025 edition) (retrieved 17 October 2026).
Momentum Life: Funeral Insurance Policy Wording (PDF, retrieved 17 October 2026).
Momentum Life: financial strength (retrieved 20 October 2026).

Disclosure

Questions about which route fits? A licensed adviser can talk it through at no cost. Book a free cover review, or see the other QuoteHub calculators.

Momentum Life’s A.M. Best financial strength rating is B (Fair), in A.M. Best’s “vulnerable” range (Momentum Life: financial strength). QuoteHub may earn a commission on cover taken out through the buttons on this page.

This page is general information, not personalised financial advice. Financial advice is provided by Craig Smith Business Services Limited, trading as Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider (FSP712931). Last reviewed 20 October 2026.