NZ Seniors is a specialist over-50s insurance brand offering funeral and life insurance in New Zealand. We've aggregated ratings from Feefo, Google, Reader's Digest, and editorial sources to provide the full picture.
In This Review
What is NZ Seniors and who's behind it?
New Zealand Seniors is a specialist insurance brand focused on over-50s Kiwis. Launched in 2019, the brand is operated by Greenstone Financial Services, an Australian financial services group founded in 2007 that also operates the OneChoice brand in New Zealand.
All NZ Seniors policies are insured by Pinnacle Life Limited, a New Zealand-based insurer that has been operating since 1998. Greenstone acquired Pinnacle Life in March 2022, bringing the underwriter in-house. Pinnacle Life is licensed by the Reserve Bank of New Zealand and is a member of the Insurance & Financial Services Ombudsman (IFSO) scheme.
NZ Seniors currently offers two core products:
NZ Seniors has received multiple Feefo service awards and has been recognised by Reader's Digest Trusted Brands NZ across multiple years. The brand positions itself as a straightforward option for older New Zealanders who want simple, accessible cover without complex medical underwriting.
How customers rate NZ Seniors across major review platforms
Note on ratings: NZ Seniors' Feefo rating (4.3/5) is based on the largest verified review sample and carries the most weight in our assessment. Google ratings tend to skew slightly lower for insurance brands in this sector, as customers are more likely to leave reviews after claims disputes. The Reader's Digest Trusted Brands recognition reflects consumer sentiment surveyed annually. 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+ reviews across Feefo and Google
Signed up at age 68 with no health questions asked. The process was simple and my monthly premiums fit within my pension budget.
My wife and I both took out funeral cover with the joint discount. Saved 20% which made a real difference for us on a fixed income.
Good product for peace of mind, but premiums do increase each year as you age. Make sure you understand how pricing works before signing up.
Mum's claim was paid within 10 working days of submitting the death certificate. Very straightforward for our family during a difficult time.
No medical tests required was the main reason I chose NZ Seniors. At 72 with a few health conditions, other insurers turned me away.
The Bonus Cover feature is a nice touch - an extra 25% added to your funeral cover when you reach 85. Gives you a bit more value for years of paying premiums.
Reviews are paraphrased summaries of verified customer feedback. Theme percentages are based on our analysis of the most recent 300 Feefo and Google reviews as of March 2026.
What you can (and can't) insure with NZ Seniors
Guaranteed acceptance funeral cover designed to help families manage funeral costs. Cover ranges from $3,000 to $30,000, with no medical tests or health questions required. Available to applicants aged 18-79.
Life cover for older New Zealanders, with payouts up to $200,000. No medical examinations required - just a few health-related questions during application. Available to applicants aged 45-79.
NZ Seniors does not offer home or contents insurance. Their focus is exclusively on life and funeral cover for the over-50s market.
NZ Seniors does not offer car insurance. Their product range is limited to life and funeral insurance products.
The good and the not-so-good based on customer reviews and our analysis
How much does NZ Seniors insurance actually cost? Indicative examples based on publicly available information
NZ Seniors' premiums vary based on your age at sign-up, the level of cover selected, and whether you choose a single or joint plan. Premiums increase annually as you age. The following are indicative monthly costs based on publicly available information and customer reports:
Disclaimer: These are indicative estimates based on publicly available information and customer reports, not official NZ Seniors quotes. Your actual premium will vary based on your age, cover amount, and personal circumstances. Premiums increase annually as you age. Get an accurate quote at nzseniors.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.
Your age when you first take out the policy is the biggest pricing factor. The younger you are at sign-up, the lower your initial premiums will be.
Higher cover amounts mean higher premiums. Funeral cover ranges from $3,000 to $30,000 and life cover goes up to $200,000.
Couples can save 20% on funeral cover by choosing a joint plan instead of two separate single policies.
Premiums increase each year as you age. This is standard across most funeral and life insurance products but worth factoring into your long-term budget.
Whether you smoke can affect your life insurance premium. Smokers generally pay higher premiums than non-smokers.
While funeral insurance has no health questions, life insurance requires a few health-related questions during application. Certain conditions may affect eligibility or pricing.
NZ Seniors vs. other popular NZ funeral and life insurance providers
| Feature | NZ Seniors | Momentum Life | Pinnacle Life | OneChoice | Chubb |
|---|---|---|---|---|---|
| Overall Rating | 3.9/5 620+ reviews | 3.7/5 | 3.5/5 | 3.6/5 | 4.1/5 |
| Funeral Insurance | $3k-$30k | $3k-$30k | $5k-$25k | $3k-$30k | $10k-$40k |
| Life Insurance | Up to $200k | Up to $250k | Up to $500k | Up to $200k | Limited |
| Guaranteed Acceptance | Yes (funeral) | Yes (funeral) | Health Qs | Yes (funeral) | Yes (funeral) |
| Max Entry Age | 79 | 79 | 75 | 79 | 74 |
| Medical Tests | None | None | Some plans | None | None |
| Joint Discount | 20% | No | No | Yes | No |
| Bonus Cover | +25% at 85 | No | No | No | No |
| Price Range | $$ | $$ | $$$ | $$ | $$$ |
Disclaimer: Ratings are aggregated from Feefo, Google, and editorial sources where available. Product details are based on publicly available information and may change. Always verify current terms and pricing 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 funeral and life insurance providers worth considering
A well-known NZ funeral and life insurance provider. Offers funeral cover from $3,000 to $30,000 with guaranteed acceptance and no medical tests. Also provides accidental death cover. Known for straightforward online and phone-based sign-up.
NZ-based insurer operating since 1998 (now owned by Greenstone). Offers funeral and life insurance with a broader range of underwriting options. Cover amounts may be higher for those who qualify through health assessment. A good option for applicants who want potentially lower premiums through medical underwriting.
Sister brand to NZ Seniors, also operated by Greenstone Financial Services. Offers similar funeral insurance products with guaranteed acceptance. Worth comparing alongside NZ Seniors as pricing and terms may differ despite the shared parent company.
Global insurance group with a strong NZ presence. Offers funeral insurance with guaranteed acceptance and no health questions. Higher maximum cover ($40,000) than most competitors. Known for strong financial backing and reliable claims handling.
NZ Seniors may suit some people well, but not everyone
If you want straightforward funeral or life cover with no medical tests, NZ Seniors' guaranteed acceptance approach may suit you well.
The 20% joint discount on funeral insurance can make cover noticeably more affordable for couples who both want funeral plans.
If existing health conditions have made it difficult to get cover elsewhere, NZ Seniors' no-health-questions funeral insurance may be a viable option.
Younger Kiwis, anyone wanting comprehensive life cover over $200,000, those looking for level (non-increasing) premiums, or people who need a full-service insurer for home and car.
Compare.org.nz's editorial assessment of New Zealand Seniors
New Zealand Seniors has carved out a clear position in the NZ insurance market as a specialist provider for over-50s Kiwis. With guaranteed acceptance funeral insurance and life cover that does not require medical examinations, the brand offers accessibility that many traditional insurers do not match for this age group.
The main tradeoff is cost. Premiums increase annually with age, which can make long-term cover expensive. The stand-down period on funeral insurance (meaning non-accidental claims in the first 12-24 months may not be paid) is also a consideration. That said, features like the 20% joint discount and the Bonus Cover (+25% at age 85) add genuine value for long-term policyholders.
NZ Seniors' backing by Greenstone Financial Services and underwriting by Pinnacle Life Limited provides a reasonable level of financial security. The brand's Feefo awards and Reader's Digest recognition also reflect generally positive customer sentiment. For those who want a broader range of insurance products or who qualify for medically underwritten cover at potentially lower premiums, providers like Pinnacle Life or mainstream insurers may be worth exploring alongside NZ Seniors.
Common questions about New Zealand Seniors
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. Funeral and life insurance are important financial decisions - always verify details directly with the provider 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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