Funeral Insurance

Why choose Cigna Funeral Cover

Guarantee Insurance

Guaranteed acceptance

  • You can choose between $5,000 and $30,000 worth of cover
  • Available to New Zealand residents aged from 50 to 80 years old
  • Affordable premiums

Affordable insurance

Simple, affordable policies

  • 20% discount on joint policies
  • Guaranteed acceptance
  • At age 90 your premiums stop, but full cover continues

Payouts insurance

Fast payouts on claims

  • A cash payment is usually made into the bank account of your nominated beneficiary within 48 hours of the claim forms and other documentation being received and your claim being accepted.
  • We can help out with your loved one’s claims paperwork, especially when they’re grieving or upset.

What you need to know

Funeral cover pays out if you pass away. You’ll be immediately covered for Accidental Death, and fully covered after 24 months. If you pass away from natural causes within the first 24 months, we will refund 100% of any premiums paid. Get an estimate online >


  • The tax-free money from the payout can be used for anything.
  • Cover is fixed for life.
  • You’ll have 30 days to review your policy. If it doesn’t meet your needs you can return it for a full refund of any premiums paid.

Need to know

  • Death by suicide or intentional self-injury is not covered within 13 months of when your policy starts.
  • Depending on how long you have your policy, you may pay more in premiums than you receive in cover.
  • If you cancel your policy after 30 days, you will not receive a refund on premiums paid.

Full policy

We're upfront about conditions and exclusions. See the full details below:

Policy Wording

We aim to pay claims as quickly as possible


Making a claim is simple.

We'll assist you with the paperwork if you need help.


We'll have a look at your claim form.

We'll get back to you if anything else is needed.


Receive payment in your bank account.

If your claim is covered by your policy, we'll pay you. No loopholes.

Why Cigna?

We’ve had Kiwis’ backs for close to a century, and protect more than 450,000 customers with simple, affordable insurance products and services.

claims process and fast payouts
for healthy living, and flexible policies that suit your life.


More Information

Life insurance, Funeral Cover, Cancer Cover... Cigna has a range of other insurance products? Tailor your insurance with easy online quotes, or call 0800 900 047 to talk to one of our team in Wellington

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Rating Star

Cigna Life Insurance NZ Limited ("Cigna") has an A (Excellent) financial strength rating which was given by A.M Best Company Inc..

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Rating Scale

Secure Vulnerable
A++ A+ Superior B B- Fair
A A- Excellent C++ C+ Marginal
B++ B+ Good C C- Weak
    D Poor
    E Under regulatory Supervision
    F In Liquidation
    S Suspended