Just Insurance, a brand you can trust

We're part of a global network of life and funeral insurance brands with a proven track record.¹

You’re in safe hands

When you choose Just Insurance, you’re choosing a company that’s part of a group whose brands have been chosen by over 500,000 customers worldwide and have ‘Excellent’ Trustpilot ratings.¹

When planning for your family's future, this trust matters. When you're ready, you can apply for a quote online or speak to our friendly team, where you'll get straight answers and support from the start.

Our group’s award-winning brands

At Just Insurance, our customers come first. Which is why we’re proud to be part of a group whose dedication to their customers is being recognised time and time again. Take a look at some of the awards and ratings that have been earned by our group’s other brands – British Seniors, Cover Direct, Cover Today, Seniors Choice, and Smart Insurance.

Trustpilot Rating

Trustpilot’s TrustScore is the overall measurement of reviewer satisfaction, based on Trustpilot reviews. An “Excellent” rating is the highest rating you can receive on Trustpilot.

British Seniors, Cover Direct, Cover Today, Seniors Choice and Smart Insurance all have “Excellent” ratings (2025)

10 Years of Excellence award – Feefo

The 10 Years of Excellence Award is given only to companies that deliver time and time again for their customers – for 10 years in a row.

British Seniors and Smart Insurance (2024)

Platinum Trusted Service Award – Feefo

Feefo’s Platinum Trusted Service Award is awarded to businesses that have won a Gold Trusted Service Award for the past three consecutive years.

British Seniors and Smart Insurance (2025, 2026)

Gold Trusted Service Award – Feefo

Feefo’s Gold Trusted Service Award is awarded to businesses that have collected 50+ reviews between January and December of the previous year, and have a service rating above 4.5.

Cover Direct and Seniors Choice (2025, 2026)

Google Reviews

Google reviews are based on customer feedback. A high Google rating signals a business's excellent service and customer satisfaction.

British Seniors and Cover Today rated “4.9”, Smart Insurance rated "4.8", Seniors Choice rated at "4.7", and Cover Direct rated at "4.5" (2025)

1st Place Gold Ribbon – Fairer Finance

Fairer Finance awards Bronze, Silver and Gold ribbons based on the results of unique customer experience ratings. The companies at the top qualify for Fairer Finance’s 1st Place Gold ribbons.

Smart Insurance (2023)

Best Life Insurer – The Times Money Mentor

These awards are given to the best financial services providers in the industry, as decided by a panel of judges and/or readers’ votes.

Smart Insurance (2023)

Best Life Insurance Provider (Over 50’s) – What Mortgage

This is awarded to the “Best Life Insurance Provider” in the Over 50s category, as voted for by What Mortgage readers.

British Seniors (2024, 2025)

Best Over 50s Life Insurance – Personal Finance awards

The “Best Over 50s Life Insurance” award is based on customer voting. The Personal Finance Awards are recognised as a benchmark for excellence in the UK’s consumer finance market.

British Seniors (2023/24)

Choose simple cover – without the surprises.

We believe that funeral insurance shouldn’t be confusing. To make sure we could provide you with cover that’s simple, we got rid of all the jargon and made it easy to get cover sorted in minutes. Making sure your loved ones are protected shouldn’t have any complicated steps. You’ll just get clear cover, from real people, and an insurer who understands what really matters here in Aotearoa.

Get a free Will Kit with every Just Funeral Insurance policy

When you take out a Just Funeral Insurance policy, we’ll send you a free Will Kit so you can let your family know your final wishes. This can help take some of the stress away at a difficult time.

Why choose Just Funeral Insurance?

Cash payout - Choose up to $30,000 of cover² to help protect the people you love.
Terminal Illness coverage - Get a payout while you’re still alive, if a medical specialist says you have 12 months or less to live³. This means you can plan your final wishes without worrying about costs.
Straightforward claims - Making a claim is simple. Our dedicated claims specialists are on hand to help you and your loved ones.
Designed to be affordable  - Our cover is designed to be affordable and if you’re a non-smoker you’ll enjoy lower premiums.⁴
Guaranteed acceptance   - If you’re a New Zealand Resident aged 50 to 80, we can guarantee you cover.
Easy application - We've made it super easy to get covered. Get it sorted in just a few minutes over the phone with no need for medicals or blood tests.
Immediate double cover for accidental death - From the very start, your loved ones will get double your payout amount if you pass away because of an accident.

Guides

Just Insurance. Just there, when you can’t be

We’re here to help. Our friendly team will be happy to answer any questions you have, with no pressure to buy. When you’re ready, you can get your free quote in minutes.

or call us

Just Insurance is a trading name of Neilson Financial Services Pty Ltd (Neilson) ABN 52 668 314 896. Neilson is part of the Neilson group of companies whose brands have been chosen to protect over 500,000 customers worldwide and have been rated ‘Excellent’ on Trustpilot, an online platform for consumers to review businesses. For more ratings information, see awards and recognition.

From $3,000 up to $30,000 of cover available. Cover is for Accidental Death only within the first 12 months. After 12 months, cover is for any cause of death and Terminal Illness, as defined in the Policy Document.

Terminal Illness is as defined in the Policy Document. Upon payment of a Terminal Illness claim, the policy and cover will end.

Premiums for a non-smoker are lower than for a smoker of the same age and gender, with the same benefit amount. Just Funeral Insurance is an insurance policy and not a savings plan which means if your policy is cancelled, you will not get anything back (unless it is cancelled within the cooling off period). The total premiums you pay over the life of the policy could also be more than the benefits we pay out.

Just peace of mind. Get a quote today

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