OneChoice is a direct-to-consumer NZ insurance brand offering life, funeral, and income protection cover. Policies are insured by Pinnacle Life Limited and distributed by Greenstone Financial Services. We've assessed their products, pricing, and customer feedback to give you the full picture.
In This Review
What is OneChoice and who's behind it?
OneChoice is a direct-to-consumer insurance brand launched in 2019 by Greenstone Financial Services NZ Limited. The brand focuses on life, funeral, and income protection insurance for New Zealanders, with policies underwritten and insured by Pinnacle Life Limited, a licensed NZ insurer that has been operating since 1998.
OneChoice sits alongside NZ Seniors as a sister brand under Greenstone. While NZ Seniors targets the over-50s market, OneChoice is aimed at a broader demographic of working-age New Zealanders looking for straightforward personal risk cover.
OneChoice currently offers:
OneChoice positions itself as a no-fuss, direct-to-consumer brand. Quotes and applications can be completed online or over the phone, with policies managed through Greenstone's customer service team. All policies are insured by Pinnacle Life Limited.
How customers rate OneChoice across review platforms
Note on review volume: OneChoice has a relatively small number of public reviews compared to larger insurers. With 120+ combined reviews, the data provides a useful snapshot but may not fully represent the broader customer experience. 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 120+ customer reviews
Got funeral cover set up in about ten minutes online. The pricing was clear and I knew exactly what I was paying for from the start. No hidden fees.
Income protection was straightforward to apply for. I appreciated not needing a medical exam for my level of cover. Documents came through the same day.
Premiums are reasonable for funeral insurance, but I found the website a bit limited when trying to compare the different cover levels side by side.
Took out life cover and the process was quick. The team answered my questions promptly when I called about adding the disability benefit option.
Good value funeral insurance for our family. We got cover for both of us and the premiums are manageable on a single income.
Had some questions about the income protection waiting period. Customer service were helpful, though it took a couple of days to get a callback.
Reviews are paraphrased summaries of customer feedback. Theme percentages are based on our analysis of the most recent Google and Trustpilot reviews as of March 2026.
What you can (and can't) insure with OneChoice
Covers up to 75% of your monthly income if you're unable to work due to illness or injury. Available for people aged 16 to 60 who work 15 or more hours per week. Maximum benefit of $15,000 per month.
Lump sum payout up to $30,000 to help cover funeral costs and related expenses. Family cover options allow partners and dependants to be included on a single policy.
Lump sum life cover with optional add-ons for total and permanent disability and critical illness. Designed to provide financial protection for families and dependants.
The good and the not-so-good based on customer reviews and our analysis
How much does OneChoice insurance cost? Indicative examples based on market analysis
OneChoice premiums vary based on your age, health, occupation, and the level of cover selected. The following are indicative examples for common customer profiles. Actual premiums will depend on your individual circumstances.
Disclaimer: These are indicative estimates based on publicly available information and market comparisons, not official OneChoice quotes. Your actual premium will vary based on your specific circumstances including age, health, occupation, and cover level. Get an accurate quote at onechoice.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.
Premiums generally increase with age. Younger applicants typically pay less for the same level of cover, particularly for life and income protection policies.
Smokers typically pay significantly higher premiums than non-smokers across all personal risk products.
For income protection, your occupation and its associated risk level directly affects your premium. Office workers generally pay less than manual workers.
Pre-existing medical conditions may affect your eligibility or result in exclusions and higher premiums.
Higher cover amounts result in higher premiums. Choosing the right level of cover for your situation can help manage costs.
For income protection, longer waiting periods before benefits begin generally reduce your premiums. Common options include 4, 8, or 13-week waits.
OneChoice vs. other NZ life and personal risk insurers
| Feature | OneChoice | Partners Life | AIA | Asteron Life | Fidelity Life |
|---|---|---|---|---|---|
| Overall Rating | 3.8/5 120+ reviews | 4.2/5 | 4.0/5 | 3.9/5 | 4.1/5 |
| Life Insurance | Available | Available | Available | Available | Available |
| Income Protection | Available | Available | Available | Available | Available |
| Funeral Insurance | Available | Not offered | Not offered | Not offered | Available |
| Critical Illness | Add-on | Available | Available | Available | Available |
| Adviser Channel | Direct only | Adviser only | Adviser only | Adviser only | Adviser & direct |
| Online Quotes | Available | Adviser required | Adviser required | Adviser required | Available |
| Underwriter | Pinnacle Life | Partners Life | AIA NZ | Asteron Life | Fidelity Life |
| Price Range | $$ | $$$ | $$$ | $$$ | $$-$$$ |
Disclaimer: Ratings are aggregated from Google, Trustpilot, and editorial sources where available. Pricing is indicative based on market comparisons. Product availability may change - verify directly with each 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 insurers worth considering for life, funeral, and income protection cover
One of New Zealand's leading life insurers, available through financial advisers. Offers a comprehensive suite of life, income protection, trauma, and disability products. Known for strong policy wording and claims support.
Part of the AIA Group, one of Asia-Pacific's largest insurance companies. Offers life, income protection, trauma, and health insurance. Known for Vitality wellness programme and strong financial backing.
NZ-owned life insurer offering both direct and adviser channels. Covers life, income protection, trauma, funeral, and mortgage protection. One of the few NZ life insurers offering direct online quotes.
Primarily known for health insurance in New Zealand, nib also offers life cover options. Part of the Australian nib Group. A consideration for those looking to bundle health and life cover.
OneChoice may suit some customers well, but not everyone
Those looking for straightforward funeral insurance up to $30,000, particularly with family cover options, may find OneChoice's offering competitive and easy to apply for.
Working New Zealanders aged 16 to 60 who want income protection without going through a financial adviser may find OneChoice's direct model convenient.
People who prefer to research, compare, and purchase insurance online or by phone rather than through a financial adviser.
Those wanting comprehensive risk planning with adviser guidance, large cover amounts, or a wide range of add-on benefits. Also less suited for those over 60 seeking income protection.
Compare.org.nz's editorial assessment of OneChoice
OneChoice fills a useful niche in the NZ insurance market as a direct-to-consumer brand for life, funeral, and income protection cover. Backed by Pinnacle Life Limited (operating since 1998), the brand provides a level of underwriting credibility that newer or lesser-known brands may lack.
The product range is focused but limited. Income protection covering up to 75% of monthly income with a $15,000 cap is competitive, and funeral cover up to $30,000 with family options is practical. However, OneChoice does not match the breadth of products and customisation offered by larger insurers like Partners Life or AIA.
With a relatively small review base of 120+ public reviews and a 3.8/5 average rating, there is less customer data to draw from compared to established insurers. The direct-to-consumer model is convenient but means customers do not receive personalised financial advice as part of the purchasing process. Those with complex insurance needs may benefit from engaging a financial adviser separately.
Common questions about OneChoice
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 your insurer and consider seeking professional advice for your specific situation. Personal risk insurance needs vary significantly - what works for one person may not be suitable for another. 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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