Funeral Cover

Benefits of funeral cover

^{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 instant quote

Full policy details

^{Guaranteed acceptance}
_{affordable premiums for all kiwis aged 50 to 80 years old}
^{Joint discounts}_{a huge 20% discount on joint policies, plus pay no premiums when you turn 90}
^{Fast payout on claims}
_{we usually payout within 48 hours, and can help with any paperwork to make it easier}
^{Award winning Funeral Insurance product}
_{2021 Gold winner in Reader's Digest Quality Service Awards
2022 Highly Commended award winner in the Trusted Brands Awards}

Why this cover may be right for you

Payout flexibility

The lump-sum payment will be tax-free, and your loved ones can use it for anything.

Fixed cover and level premiums

Your cover amount is fixed and your premiums won’t increase each year based on your age*

Time to review your policy

You’ll have 30 days to review your policy. If it doesn’t meet your needs you can cancel it for a full refund of any premiums paid.

The lump-sum payment will be tax-free, and your loved ones can use it for anything.

Your cover amount is fixed and your premiums won’t increase each year based on your age*

You’ll have 30 days to review your policy. If it doesn’t meet your needs you can cancel it for a full refund of any premiums paid.

_{*As with all products of this nature, Cigna reserves the right to review and change premiums charged for Cigna Funeral Cover policies with written notice. Please see full policy details for more information.}

What our customers are saying

I would just say that the monthly, or fortnightly payments, were pretty reasonable. After my mum died, things happened pretty quickly, and Cigna were very responsive after I sent through the required information. So awesome.

Huntly, NZ

You were friendly, courteous, got to the point quickly and didn't make too much of a deal that I'd missed payments, and you knew that I was going to action it, to get it sorted. I appreciated that.

Auckland, NZ

Have no trouble with you whatsoever. As soon as we put our claim in, the money was in the very next day. It was such a relief not to have to worry about stuff. I recommend them; very, very strongly.

Kawakawa, NZ

Kind, very very helpful. I absolutely love you people, and I am recommending you people to anybody.

Tauranga, NZ

Cigna is fantastic, love Cigna

Napier, NZ

What else do I need to know?

How do I make a funeral cover claim if I'm not the nominated beneficiary?

If there is no other owner on the policy the claims forms sent will need to include a Settlement Agreement Form. This is a form for all interested parties to complete.

The claim cannot be assessed and paid until all the required paperwork is completed.

Who should I nominate as my beneficiary?

First things first they must be aged 16 or over as at the date of nomination and you need to make sure you’ve checked with your nominated person(s) before adding them to your policy. You probably want to have a conversation with them about any special funeral arrangements you have in mind to make sure you’re on the same page.

A Nominated Beneficiary should be someone you trust to carry out your wishes, and who you know will do their best to arrange a funeral that best celebrates your life in the way you’d like people to. Nominating the right beneficiary can help ensure the prompt arrangement of your funeral and associated duties with minimal family friction or distress.

Most people think to nominate a family member, often a partner or child, but if neither of those are available to you or just don’t seem like the right option, then you may want to ask a trusted friend. And remember, you can revoke or change your Nominated Beneficiary at any time, so long as you complete a new Nominated Beneficiary form. So if your circumstances change, or those of your Nominated Beneficiary, then it’s no problem to change the Nominated Beneficiary on your policy.

How do I nominate a beneficiary?

It’s easiest to nominate your beneficiary when you first sign up for Cigna Funeral Cover, that way you don’t have to worry about there being any complications when your policy is paid out. You can nominate a beneficiary by filling out this Nominated Beneficiary form and returning it to us via post.

If you already have existing funeral cover insurance you can contact our customer service team on 0800 270 714, and they can either complete this for you over the phone or send you a Nominated Beneficiary Form to complete in your own time. Whatever is easier for you.

Read more about nominating beneficiaries

How do I put in a claim for funeral cover?

If you are a Nominated Beneficiary and need to claim then you need to contact Cigna for a claim form, as soon as possible.

You will also need to include supporting documents with your claim form. Generally this is going to be:

a death certificate
the policy document
proof of any nominated beneficiary’s identity

Once you return all this information to Cigna we will assess your claim and keep you updated on its progress.

Do I need a will?

A Will outlines how you want your affairs or estate managed after you pass away. You might outline things like:

how you want your funeral to be managed,
who you want your estate to go to,
who should look after your children, or
who you’d like to provide for or leave a special gift to.
who will benefit from my life insurance policy?

Another thing a Will can cover is who will benefit from your life insurance policy e.g your children. If you pass away without a Will, your loved ones may face a very lengthy and difficult battle over your estate and the law will determine how your estate is divided. It’s easy to assume that your estate would go directly to your loved ones, but this is not always the case.

You can create your Will as soon as you can – even if you don’t have many assets under your name.