What New Zealanders say about their funeral and final expenses insurers, gathered from Trustpilot, Google, Feefo and the other review platforms we track. This page covers customer experience only.
Most funeral insurance is sold by phone, and most reviews are written by policyholders shortly after they sign up, so they describe the sales call far more often than a claim. Reviews from families who have claimed are rarer and worth looking for in each full review.
| Provider | Overall | Reviews counted | Positive | Negative | Platform scores |
|---|---|---|---|---|---|
| Just Insurance | 4.7/5 | 120 | 97% | 2% | Trustpilot 4.7 |
| Momentum Life | 4.0/5 | 620+ | 76% | 10% | Google Reviews 4.1, Feefo 4.2, Trustpilot 2.8 |
| NZ Seniors | 3.9/5 | 620+ | 74% | 12% | Feefo 4.3, Google Reviews 3.6 |
| OneChoice | 3.8/5 | 120+ | 68% | 14% | Google Reviews 3.8, Trustpilot 3.5 |
| Chubb | 2.7/5 | ~49 | - | - | Google Reviews 2.7 |
The themes that come up most often in each provider's reviews, with one example of praise and one of criticism where we found them.
Knowledgeable and helpful, explained it in plain language, and I never felt under pressure to buy.Paraphrased from Trustpilot, 2026
Kept getting calls I hadn't asked for, including at times when I was asleep.Paraphrased from Trustpilot, 2026Read the full Just Insurance review
Applied online in about ten minutes. No medical exam needed and the policy was confirmed the same day.Paraphrased from Google, 2025Read the full Momentum Life review
Signed up at 68 with no health questions. Monthly premiums fit within my pension budget nicely.Paraphrased from Feefo, 2025Read the full NZ Seniors review
Signed up for funeral cover online in about ten minutes. Straightforward process and clear pricing from the start.Paraphrased from Google, 2025Read the full OneChoice review
Friendly and professional staff throughout the life insurance application. Had the policy sorted within two weeks of first contact.Paraphrased from Google, 2025
Travel insurance claim took over a month. Multiple follow-ups needed just to get a status update. Very frustrating experience.Paraphrased from Google, 2024Read the full Chubb review
Among the funeral insurance providers we track with at least 100 reviews from New Zealand customers, Just Insurance has the highest overall score at 4.7/5 from 120 reviews, followed by Momentum Life (4.0/5) and NZ Seniors (3.9/5). Scores cover each brand as a whole and change over time, so check the date on each full review.
Each overall score is the customer sentiment score from our full review of that provider. It aggregates ratings from public platforms such as Trustpilot, Google and Feefo, weighted by review volume, with platforms holding fewer than 50 reviews given less weight. Quotes are paraphrased summaries of real customer reviews, and scores built on self-published or overseas review profiles are marked in the table. The scores describe customer experience only and say nothing about the price or cover of any policy.
These ratings describe customer experience only. To compare cover, prices and policy features, see our funeral insurance comparison, or browse all NZ insurance company reviews.
Disclaimer: Reviews and ratings on this page are for informational purposes only and do not constitute financial advice. Scores are drawn from third-party review platforms at the date shown on each full review and may have changed since. Always verify details directly with the insurer.