Momentum Life is a direct-to-consumer NZ life insurance company offering funeral and life insurance with no medical tests required. We've aggregated ratings from Google, Feefo, and editorial sources to give you the full picture.
In This Review
What is Momentum Life and who's behind it?
Momentum Life is a licensed New Zealand life insurance company founded in 2018 and headquartered in Auckland. The company operates a direct-to-consumer model, selling policies online and over the phone without intermediaries or brokers.
Momentum Life is backed by Hannover Re, one of the world's largest reinsurance groups. This partnership provides financial strength and underwriting expertise behind Momentum Life's products. The company has received multiple industry awards, including recognition from Reader's Digest and Feefo for customer service.
Based in Auckland, Momentum Life currently offers:
Momentum Life's approach centres on simplicity and accessibility. Applications are completed online or by phone, with no medical examinations required. Policies are billed monthly. For more on the company, visit momentumlife.co.nz.
How customers rate Momentum Life across major review platforms
Note on Trustpilot: Momentum Life's Trustpilot rating (2.8) is based on just 12 reviews, making it statistically unreliable. Their Google and Feefo ratings, based on 620+ combined reviews, provide a more accurate picture of customer satisfaction. We weight ratings by review volume in our overall assessment. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Common themes from 620+ verified reviews across Google and Feefo
Applied online in about ten minutes. No medical exam needed and the policy was confirmed the same day. Very straightforward process.
My mother passed away and the funeral claim was paid within five working days. Made a very difficult time much easier for the whole family.
Good value for funeral cover but premiums do increase as you age. Worth checking the premium schedule before signing up so there are no surprises.
Liked that I could get family funeral cover for my partner and me under one policy. Simple monthly payments that are easy to budget for.
The life insurance application was easy. No blood tests or doctor visits required. Cover started right away for accidental death.
Been with Momentum Life for three years now. Premiums have gone up slightly but customer service has been very responsive whenever I've called.
Reviews are paraphrased summaries of verified customer feedback. Theme percentages are based on our analysis of the most recent 300 Google and Feefo reviews as of March 2026.
What you can (and can't) cover with Momentum Life
Lump-sum funeral cover from $3,000 to $30,000 designed to help families cover funeral costs and related expenses. No medical tests required. Individual and family cover options available.
Lump-sum life insurance cover up to $1,000,000. Includes terminal illness benefit at no extra cost. Designed for Kiwis who want straightforward life cover without complex underwriting.
Momentum Life does not currently offer income protection insurance. If you need cover for lost income due to illness or injury, other providers may be worth exploring.
Momentum Life does not offer health insurance. For medical and surgical cover, other NZ providers may be worth considering.
The good and the not-so-good based on customer reviews and our analysis
How much does Momentum Life insurance actually cost? Indicative examples based on publicly available information
Momentum Life's premiums vary based on your age, gender, smoking status, and the level of cover selected. Based on publicly available information and customer reports, here are indicative monthly premiums for common profiles:
Disclaimer: These are indicative estimates based on publicly available information and customer reports, not official Momentum Life quotes. Your actual premium will vary based on your age, health status, smoking status, and cover amount. Get an accurate quote at momentumlife.co.nz. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Age is the single biggest factor. Premiums increase significantly as you get older, particularly for funeral insurance taken out after age 60.
Smokers typically pay substantially higher premiums than non-smokers due to increased health risks.
Higher cover amounts result in higher premiums. Funeral cover ranges from $3,000 to $30,000; life cover goes up to $1,000,000.
Premiums may differ between males and females based on actuarial life expectancy data.
While no medical tests are required, health declaration answers may affect eligibility or trigger a stand-down period for certain conditions.
Family funeral cover policies for couples may offer better per-person value than two separate individual policies.
Momentum Life vs. other popular NZ life and funeral insurance providers
| Feature | Momentum Life | Pinnacle Life | NZ Seniors | OneChoice | Chubb |
|---|---|---|---|---|---|
| Overall Rating | 4.0/5 620+ reviews | 4.2/5 | 3.5/5 | 3.8/5 | 4.1/5 |
| Funeral Insurance | Up to $30k | Up to $30k | Up to $25k | Up to $30k | Not offered |
| Life Insurance | Up to $1M | Up to $1M | Not offered | Available | Available |
| Medical Tests | None | None | None | May require | May require |
| Terminal Illness Benefit | Included | Included | Not included | Included | Included |
| Family Cover | Available | Available | Available | Not available | Not available |
| Online Application | Yes | Yes | Yes | Yes | Phone/Broker |
| Reinsurer Backing | Hannover Re | Hannover Re | Undisclosed | Undisclosed | Chubb Global |
| Price Range | $$ | $$ | $$$ | $$$ | $$$ |
Disclaimer: Ratings are aggregated from Google, Feefo, Trustpilot, and editorial sources where available. Pricing is indicative based on market comparisons and customer reports. Product details may change - always verify directly with the provider. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Other NZ providers worth considering, especially if Momentum Life doesn't fit your needs
A direct-to-consumer NZ life insurer offering funeral, life, and income protection insurance online. Backed by Hannover Re reinsurance. A close competitor to Momentum Life with a similar no-medical-tests approach and a broader product range including income protection.
Specialises in funeral insurance for older New Zealanders. Known for simple application processes and targeted marketing to the over-50s market. Does not offer life insurance.
AA Insurance partners with Asteron Life (now part of Resolution Life NZ) to offer life insurance products. Strong brand recognition and nationwide branch network. Suited to those who want face-to-face service and the AA Membership ecosystem.
Global insurance giant Chubb offers life and accident insurance in NZ. Known for strong financial backing and comprehensive cover. May suit those who prefer a globally established brand.
Momentum Life may suit some customers well, but not everyone
For those looking to arrange funeral cover without medical exams, Momentum Life's $3,000 to $30,000 funeral insurance with family cover options is commonly chosen.
If you prefer applying and managing cover online or by phone without meeting an adviser, Momentum Life's direct-to-consumer model may be a good fit.
For Kiwis who want straightforward lump-sum life insurance up to $1M without complex underwriting, Momentum Life's approach is worth considering.
Those needing income protection, health insurance, trauma cover, or those who want comprehensive financial advice from a dedicated adviser.
Compare.org.nz's editorial assessment of Momentum Life
Momentum Life has built a solid reputation since launching in 2018, earning a 4.0/5 average across 620+ customer reviews. The backing of Hannover Re - one of the world's largest reinsurance groups - adds a layer of financial confidence. Multiple awards from Reader's Digest and Feefo reflect a consistent focus on customer service.
The tradeoffs are clear: you get simple funeral and life products without medical exams, but at the cost of a limited product range and age-related premium increases. The 24-month stand-down period for pre-existing conditions is standard in the industry but worth understanding before applying. For those who fit the profile, Momentum Life offers competitive rates through its direct-to-consumer model.
For Kiwis who need broader protection - income protection, health cover, or trauma insurance - a full-service provider like AIA or Partners Life may be more suitable. However, for straightforward funeral or life cover, Momentum Life is a competitive option worth exploring.
Common questions about Momentum Life
How we research and rate insurance companies
This review is based on data collected from the following sources, last verified in March 2026:
Our editorial scores (out of 10) are calculated using a weighted methodology that considers:
Disclaimer: Nothing on this page constitutes financial advice. Scores are editorial opinion based on publicly available data. Always verify details directly with the insurer and consider seeking professional advice for your specific situation. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
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