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⭐ In-Depth Review | Updated September 2026

Just Insurance Reviews

Just Insurance sells Just Funeral Insurance to New Zealanders aged 50 to 80, with guaranteed acceptance, level premiums and cover from $3,000 to $30,000. Policies are issued by Hallmark Life Insurance Company Limited. We've read the policy document and the brand's Trustpilot reviews to give you the full picture.

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Last reviewed: 28 September 2026 • Sources: Trustpilot, Just Funeral Insurance Policy Document, FMA, Hallmark Insurance
4.7/5
Poor Average Excellent
120
total reviews
"Knowledgeable and helpful, explained it in plain language, and I never felt under pressure to buy."
Trustpilot, 2026 ★★★★★
"Patient and thorough on the phone. The funeral policy was easy to understand and straightforward."
Trustpilot, 2026 ★★★★★
"The staff member was helpful, but a scheduled callback never happened and I found another provider's policy a little better."
Trustpilot, 2026 ★★★☆☆
"They explained the options against my own circumstances rather than just reading a script."
Trustpilot, 2026 ★★★★★
"Kept getting calls I hadn't asked for, including at times when I was asleep."
Trustpilot, 2026 ★☆☆☆☆
"Listened carefully and arranged everything smoothly. Very easy process."
Trustpilot, 2026 ★★★★★
97%
Positive
1%
Mixed
2%
Negative

In This Review

Company Overview Ratings Breakdown Customer Review Highlights Products Offered Pricing Deep-Dive Pros & Cons How Just Insurance Compares Alternatives to Just Insurance Who Is Just Insurance Best For? Our Verdict Frequently Asked Questions Our Methodology

Company Overview

What is Just Insurance and who's behind it?

Just Insurance is a direct-to-consumer funeral insurance brand for New Zealanders aged 50 to 80. It is a trading name of Neilson Financial Services Pty Ltd, an Australian company (ABN 52 668 314 896) that distributes and promotes the policy as an agent of the insurer. The Neilson group was founded in 2012 and runs insurance brands in the UK, Canada, Australia and New Zealand, including Golden Insurance and Cover Smart here. The current Just Funeral Insurance policy document is dated March 2026.

Policies are issued by Hallmark Life Insurance Company Limited (NZBN 9429039172631, FSP 13701), the New Zealand branch of an Australian-incorporated life insurer. Hallmark Life is a licensed insurer in New Zealand, holds an active financial institutions licence from the Financial Markets Authority, and is a member of the St Andrew's Insurance Group. Hallmark reports a BBB+ financial strength rating from Standard & Poor's.

Just Insurance currently offers one product:

Applications are made by phone. Complaints that cannot be resolved with the insurer can go to the free Insurance & Financial Services Ombudsman (IFSO) Scheme. The dignityinsurance.co.nz address, once used for funeral insurance guides for NZ readers, redirected to justinsurance.co.nz from late 2025. Dignity Insurance is a Neilson sister brand whose current product documents are Australian.

Ratings Breakdown

How customers rate Just Insurance across review platforms

Trustpilot
4.7
★★★★★
120 reviews
Google Reviews
N/A
☆☆☆☆☆
Not found
We could not find a Google rating for Just Insurance NZ
Canstar
N/A
☆☆☆☆☆
Not yet rated
Just Insurance is not currently rated by Canstar

Note on ratings: Just Insurance's Trustpilot score (4.7/5 from 120 reviews in September 2026) is the only rating we could check directly. Most reviews are left soon after the phone application and describe the sales call, often naming the staff member. Because the NZ product is recent, there is little public feedback on claims so far. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

What Customers Are Saying

Common themes from 120 Just Insurance reviews on Trustpilot

The consultant knew the product well, used clear language and didn't push me to buy. I felt I could make my own decision.

Trustpilot, 2026 ★★★★★

Very patient on the phone, even when I needed things repeated. The policy was explained clearly and easy to understand.

Trustpilot, 2026 ★★★★★

Good to have the policy options explained against my own situation. Straightforward conversation.

Trustpilot, 2026 ★★★★★

Helpful staff member, but a promised callback was missed, and in the end I thought a competitor's policy suited me slightly better.

Trustpilot, 2026 ★★★☆☆

I was called repeatedly without asking to be and was not happy about the calls coming from Australia or how my details were obtained.

Trustpilot, 2026 ★☆☆☆☆

Unwanted calls at inconvenient times. The company did reply and offered a number to sort it out.

Trustpilot, 2026 ★☆☆☆☆
86%
Rate Just Insurance 5 stars
11%
Rate it 4 stars
<1%
Rate it 3 stars
2%
Rate it 1 star

Reviews are paraphrased summaries of verified customer feedback. Theme percentages are the Trustpilot star distribution for Just Insurance (120 reviews) as shown in September 2026. Critical reviews are over-represented in the quotes above so both sides are visible.

Products Offered

What you can (and can't) get from Just Insurance

⚱️ Just Funeral Insurance

Available

Guaranteed acceptance funeral cover for New Zealand residents aged 50 to 80, with no medical tests or health questions. Accidental death is covered from day one at double the benefit amount. Death from other causes and terminal illness are covered after a 12-month waiting period. Premiums are level and stop at the policy anniversary after your 90th birthday, while cover continues for life.

Cover from $3,000 to $30,000
Guaranteed acceptance (ages 50-80)
Double payout for accidental death
12-month waiting period for other causes
Level premiums, no more payments after 90
Free Will Kit and 30-day cooling-off period
Quote required
Visit Website Compare Funeral Insurance

🛡️ Just Life Insurance

Not Available

Just Insurance does not sell life insurance. Its sister brand Golden Insurance offers life cover up to $250,000 for ages 40 to 80.

🏥 Just Health Insurance

Not Available

Just Insurance does not offer health or medical insurance.

Pros & Cons

The good and the not-so-good based on the policy document, customer reviews and our analysis

👍 Pros

  • Guaranteed acceptance for NZ residents aged 50 to 80, with no health questions
  • Level (fixed) premiums that stay the same unless you change your cover or smoker status
  • No more premiums after the policy anniversary following your 90th birthday, while cover continues
  • Double the benefit amount for accidental death, from the day cover starts
  • Terminal illness benefit after the waiting period
  • Premiums refunded if death from a non-accidental cause happens in the first 12 months
  • Issued by Hallmark Life, a licensed NZ insurer, with access to the free IFSO scheme
  • Strong Trustpilot score (4.7/5) with frequent praise for clear, low-pressure phone calls

👎 Cons

  • Only accidental death is covered in the first 12 months
  • Maximum cover of $30,000 may not cover a full funeral in every case
  • Level premiums usually start higher than stepped premiums at the same age
  • Over a long life, total premiums paid can exceed the benefit amount
  • Only one product, with no life, income or health cover
  • Sold by phone by an Australian distributor, and some reviewers complain about unsolicited calls
  • Recent NZ product with few reviews and little claims evidence so far

Pricing Deep-Dive

How much does Just Insurance cost? Indicative ranges based on our NZ funeral insurance cost guide

Just Insurance does not publish premiums on its website. The policy document says the premium depends on the benefit amount, your age when the policy starts, your sex and your smoker status. Because premiums are level, the age at which you start matters most. The ranges below are rough guides built from our funeral insurance cost guide, not Just Insurance prices:

👩

Funeral Cover - Age 55

Female, non-smoker
$15,000 benefit
Level premium
$30-60
/month
Our guide range for $15k cover at 50-60
Indicative only
👨

Funeral Cover - Age 65

Male, non-smoker
$15,000 benefit
Level premium
$60-120
/month
Our guide range for $15k cover at 60-70
Indicative only
👴

Funeral Cover - Age 75

Male, non-smoker
$10,000 benefit
Level premium
$80-150+
/month
Costs rise steeply for late starters
Get a quote to confirm

Disclaimer: These are indicative estimates derived from our general NZ funeral insurance cost guide, not Just Insurance quotes or published prices. Your actual premium depends on your age, sex, smoker status and benefit amount. Get an accurate quote at justinsurance.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.

What Affects Your Just Insurance Premium?

🎂

Age at Start

The older you are when the policy starts, the higher the premium. Because premiums are level, that starting price is what you keep paying.

💵

Benefit Amount

You choose a benefit from $3,000 to $30,000. A higher benefit means a higher premium.

🚬

Smoking Status

Smokers pay more than non-smokers. Changing your smoker status can change your premium.

⚖️

Sex

The policy document says men pay more than women of the same age for the same cover.

📈

Increasing Cover

If you increase your benefit later (allowed under age 80), the premium rises and a new 12-month waiting period applies to the extra amount.

🗓️

How Long You Pay

Premiums stop at the anniversary after your 90th birthday. Starting earlier means a lower premium but more years of payments.

How Just Insurance Compares

Just Insurance vs. other NZ funeral insurance providers

Feature Just Insurance NZ Seniors Momentum Life OneChoice
Overall Rating 4.7/5 120 reviews 3.9/5 4.0/5 3.8/5
Funeral Cover $3k-$30k $3k-$30k $3k-$30k Up to $30k
Entry Ages 50-80 18-79 Varies Varies
Guaranteed Acceptance Yes Yes No medical tests Check policy
Premium Type Level, stops after 90 Increases with age Check policy Check policy
Accidental Death Double payout Check policy Check policy Check policy
Insurer Hallmark Life Pinnacle Life Momentum Life Pinnacle Life
Price Range $$ $$ $$ $$

Disclaimer: Just Insurance details come from its current NZ policy document. Details for other providers come from our existing reviews of those brands. Just Insurance's rating is its Trustpilot score, while other brands' ratings aggregate several platforms, so they are not directly comparable. Features may change, so 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.

Alternatives to Just Insurance

Other NZ funeral insurance providers worth considering

New Zealand Seniors logoNew Zealand Seniors
★★★★★

Specialist over-50s brand with guaranteed acceptance funeral cover from $3,000 to $30,000 for ages 18 to 79, insured by Pinnacle Life. Offers a joint discount for couples and Bonus Cover at 85. Premiums increase with age.

Funeral cover $3k-$30k
Guaranteed acceptance
20% joint discount
Bonus Cover at 85
Read Full Review
Momentum Life logoMomentum Life
★★★★★

NZ funeral and life insurance brand offering funeral cover from $3,000 to $30,000 with no medical tests and online applications. Worth comparing if you would rather apply online than by phone.

Funeral cover $3k-$30k
No medical tests
Online application
Life cover also available
Read Full Review
OneChoice logoOneChoice
★★★★★

Direct NZ brand insured by Pinnacle Life, offering funeral cover up to $30,000 alongside life and income protection insurance.

Funeral cover up to $30k
Family cover options
Life cover too
Insured by Pinnacle Life
Read Full Review
Golden Insurance
★★★★★

Sister brand to Just Insurance, also sold by Neilson and issued by Hallmark Life. Offers life cover from $10,000 to $250,000 for ages 40 to 80 with health questions but no medicals. May suit people who want more than $30,000 of cover.

Life cover $10k-$250k
Ages 40-80
No medical exams
Same insurer as Just
Read Full Review
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Who Is Just Insurance Best For?

Just Insurance may suit some people well, but not everyone

👵

Over-50s With Health Conditions

Guaranteed acceptance means no health questions, which may suit people aged 50 to 80 who have struggled to get cover elsewhere.

📊

People Who Want a Fixed Premium

Level premiums that stop after age 90 may suit anyone who wants a predictable cost rather than one that rises every year.

⚱️

Covering Funeral Costs Only

A benefit of up to $30,000 is aimed at funeral and end-of-life costs rather than replacing income or paying off a mortgage.

⚠️

Not Best For

Anyone under 50, people who need more than $30,000, those who may qualify for cheaper underwritten life cover, or anyone who wants cover for illness in the first year.

Our Verdict

Compare.org.nz's editorial assessment of Just Insurance

6.8
out of 10
Good
Our editorial score for cover, price and claims. It is separate from the customer rating.

Just Insurance offers a simple guaranteed acceptance funeral policy with level premiums that stop after 90, backed by a licensed NZ insurer.

Just Funeral Insurance does what most guaranteed acceptance funeral policies do, with a couple of useful differences. Premiums are level rather than stepped, and they stop at the anniversary after your 90th birthday while cover continues for life. Accidental death pays double the benefit from day one. The policy is issued by Hallmark Life, a licensed NZ insurer with an FMA licence and access to the IFSO scheme.

The usual funeral insurance trade-offs apply. Only accidental death is covered for the first 12 months, the benefit is capped at $30,000, and over a long life you could pay more in premiums than the benefit amount. Level premiums also tend to start higher than stepped ones, so comparing quotes with brands such as NZ Seniors and Momentum Life is worthwhile.

Customer feedback is positive, with a 4.7/5 Trustpilot score from 120 reviews that often praise clear, low-pressure phone calls. A few reviewers complain about unsolicited calls. The review base is small and recent, and there is little public information about claims yet, which holds the score back.

Accessibility
9.0
Ease of Sign-Up
8.0
Customer Service
7.8
Claims Track Record
5.0
Value for Money
6.2
Product Range
3.5

Frequently Asked Questions

Common questions about Just Insurance

Yes. Just Insurance is a trading name of Neilson Financial Services Pty Ltd (ABN 52 668 314 896), which distributes the policy as an agent of the insurer. Just Funeral Insurance is issued by Hallmark Life Insurance Company Limited (FSP 13701), a licensed insurer in New Zealand with an active licence listed by the Financial Markets Authority. Unresolved complaints can go to the free IFSO Scheme.
Just Funeral Insurance is underwritten by Hallmark Life Insurance Company Limited (NZBN 9429039172631, FSP 13701), the New Zealand branch of an Australian-incorporated life insurer. Hallmark is part of the St Andrew's Insurance Group. The same insurer issues Golden Insurance and Cover Smart policies.
New Zealand residents aged 50 to 80. Acceptance is guaranteed if you meet those criteria, with no medical tests or health questions.
Yes. For the first 12 months only accidental death is covered, at double the benefit amount. If you die from a non-accidental cause in that period, the benefit is not paid but all premiums paid are refunded. After 12 months, death from any cause and terminal illness are covered. A new 12-month waiting period applies to any increase in cover.
No, not with age. Premiums are level, so they stay the same each year unless you change your benefit amount or smoker status. You stop paying at the policy anniversary after your 90th birthday, and your cover continues.
You can choose a benefit amount from $3,000 up to $30,000. Accidental death pays twice the benefit amount.
They are separate brands in the same Neilson group. Dignity Insurance's current product documents are for Australia, and in our checks the dignityinsurance.co.nz address redirected to justinsurance.co.nz from late 2025. New Zealanders looking for funeral cover from this group are directed to Just Insurance.

Our Review Methodology

How we research and rate insurance companies

Data Sources

This review is based on data collected from the following sources, last verified in September 2026:

How We Calculate Scores

Our editorial scores (out of 10) are calculated using a weighted methodology that considers:

  • Customer ratings (40%): aggregated scores from review platforms, weighted by review volume. Platforms with fewer than 50 reviews are given reduced weighting.
  • Product features (25%): acceptance criteria, cover limits, waiting period, accidental death benefit and premium structure compared with similar NZ funeral products.
  • Pricing competitiveness (20%): based on published information and our general NZ funeral insurance cost guide, since Just Insurance does not publish premiums.
  • Claims experience (15%): customer-reported claims feedback and IFSO records. Little claims evidence exists yet for this recent NZ product.

Disclaimer: This page is for general information only and does not constitute financial advice. Scores are editorial opinion based on publicly available data. Funeral insurance is an important financial decision, so always verify details directly with the provider and consider seeking professional advice for your situation. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

Get a Just Insurance Quote

Check your price with Just Insurance, then compare it with other NZ funeral insurance options before you decide.

Visit Just Insurance →