Why choose Just Funeral Insurance? 

When it comes to your family, you deserve cover that’s straight to the point and offers real protection.

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Cash payout

Choose up to $30,000 of cover1 to help protect the people you love. 

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Terminal Illness coverage

Get a payout while you’re still alive, if a medical specialist says you have 12 months or less to live.2 This means you can plan your final wishes without worrying about costs.

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Straightforward claims

Making a claim is simple. Our dedicated claims specialists are on hand to help you and your loved ones.

Just Insurance. Just peace of mind.

Planning for a funeral can feel overwhelming. At Just Insurance, we’re here to provide some financial support for your funeral costs, so your loved ones can focus on the meaningful moments with friends and family with one less worry.


Our claims process is designed to be straightforward. When the time comes, our dedicated claims specialists will be there to help you and your loved ones.


With Just Funeral Insurance, you can easily arrange some financial help for when your family needs it most.

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Why choose Just Funeral Insurance?

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Designed to be affordable

Our cover is designed to be affordable and if you’re a non-smoker you’ll enjoy lower premiums.3

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Guaranteed acceptance

If you’re a New Zealand Resident aged 50 to 80, we can guarantee you cover.

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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.

Start your cover with confidence

With Just Insurance, you can help ensure your loved ones don’t have to cover your final costs alone. There are no medicals or brokers, just an easy application and cover that won’t hurt your wallet.


You shouldn’t need to worry when you’ve taken out cover. That’s why our claims process is designed to be straightforward. When the time comes, our friendly team will be there to help you and your loved ones. 

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Benefits of choosing Just Funeral Insurance

When you’re ready to secure your very own insurance policy our friendly team will be there to help you. It only takes a few minutes to get covered and can be all done over the phone.

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Cash payout

Choose up to $30,000 of cover to help protect the people you love.1

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Terminal Illness coverage

Get a payout while you’re still alive, if a medical specialist says you have 12 months or less to live.2 This means you can plan your final wishes without worrying about costs.

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Straightforward claims

Making a claim is simple. Our dedicated claims specialists are on hand to help you and your loved ones.

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Designed to be affordable

Our cover is designed to be affordable and if you’re a non-smoker you’ll enjoy lower premiums.3

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Guaranteed acceptance

If you’re a New Zealand resident aged 50 to 80, we can guarantee you cover.

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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.

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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.

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30 days to make sure you’re happy

If you want to cancel during the first 30 days from the policy commencement date, you’ll be refunded the money you’ve paid so far, if you haven’t made a claim.

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.

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.

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Frequently asked questions

Here are the answers to some commonly asked questions about Just Funeral Insurance.

Just Funeral Insurance is a guaranteed acceptance insurance policy that provides a cash payout to your loved ones when you pass away to help with funeral expenses. If you’re a New Zealand resident aged 50 to 80, you are guaranteed to be accepted for cover. You can choose up to $30,000 of cover,1 which can be used to help with funeral expenses or other costs your family might need help with.

If you’re a New Zealand resident aged 50 to 80, you’re eligible for Just Funeral Insurance. You’re guaranteed to be accepted for cover; there are no medicals, blood tests or complicated forms. Once your policy is in place and you continue to pay your premiums, you will have cover for the rest of your life.

The cost of your Just Funeral Insurance is dependent on your individual circumstances when you apply. The following factors influence what you will pay to keep your cover:

  • Your age at the time of applying
  • Your gender
  • Whether you are a smoker
  • The benefit amount you choose

With a Just Funeral Insurance policy, you choose a benefit amount with a premium that you can afford both now and in the future. If you’re a New Zealand resident aged 50 to 80, you’re guaranteed to be accepted for cover; there are no medicals or blood tests. Everything can be completed over the phone. Once your cover is in place and you continue to pay your premiums, you will be covered for the rest of your life.

You can request your callback online to get a quick quote in a matter of minutes or you could call our team of funeral insurance specialists on 0800 452 628. We’re available Monday to Friday from 10am to 6pm, excluding public holidays.

More reasons to choose Just Funeral Insurance

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No more premiums after age 90 

From the policy anniversary after your 90th birthday, you won’t need to make any more payments – but your cover keeps going for life.3

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Exclusive

Just Funeral Insurance is exclusive to us, you can't buy it anywhere else.

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Free Will Kit

You’ll get a free Will Kit when you take out our funeral insurance.

Current customers

Our friendly team is here to support you and your loved ones. Simply give us a call on 0800 857 410

Make a claim

Making a claim is simple. Find out about our straightforward claims process.

Money worries

Worried about an upcoming payment for your policy? Let us know, we’re here to help you.

Change your policy

Need to make a change to your policy? We’ve made it easy for you. Make changes at no extra cost.

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

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Receive a free Will Kit when you take out a Just Funeral Insurance policy.

1

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.

2

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

3

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.

4

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.

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