What is Funeral Insurance?
Just Funeral Insurance is a type of insurance policy that provides your loved ones with a cash payout of up to $30,0001 when you pass away. They can use this money towards your funeral costs, so they don’t have to shoulder the financial burden alone. Just Insurance also includes Terminal Illness coverage. This means you 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.
With Just Funeral Insurance in place, you can get on with enjoying life today. It can give you real peace of mind, knowing your family will have some financial support during a challenging time.
Who should consider taking out funeral insurance in New Zealand?
Could your family afford to cover your funeral expenses when the time comes? Funeral expenses can add up quickly, and for some Kiwis, the burden of covering these costs can be overwhelming. This is where funeral insurance can help.
If you’re a New Zealand resident aged 50 to 80, you can apply for between $3,000 and $30,000 of cover1 with Just Insurance. Here are some examples of who might benefit from taking out funeral insurance:
People with Specific Funeral Wishes:
If you have specific funeral wishes, funeral insurance can help ensure your final wishes are fulfilled, without creating financial hardship for your family. It also means you can provide some money for your funeral without needing to pay upfront for it.
Individuals with Limited Savings:
If you don't have lots of savings or investments put away for funeral expenses, funeral insurance could be a practical choice. It can be a simple way to help protect your family from unexpected financial strain at an already difficult time.
Retirees and Seniors:
As you retire and get older, you may be thinking more about how you can help support your loved ones when it comes to funeral costs. Taking out a funeral insurance policy could help protect your loved ones financially, after you pass away.
How do I know if I need funeral insurance?
When deciding if you need funeral insurance, take some time to look at your financial situation, your family's needs, and your personal preferences. Here are some things to consider when you’re deciding if you need funeral insurance policy:
What is your financial situation?
Do you have enough savings set aside to help cover the cost of your funeral and end-of-life expenses? If not, funeral insurance could be a simple way of putting a financial plan in place for the future.
What are your family’s needs?
Think about how your family could be impacted financially after you die. Do they have the financial means to cover funeral costs or other end-of-life expenses? Funeral insurance could be a reassuring and practical choice if you think your loved ones would struggle financially. It could help ease the financial burden during a challenging time.
Do you have specific wishes for your funeral?
Do you have specific funeral wishes, such as the type of ceremony or burial arrangements you’d like? Funeral insurance can help make sure your wishes are honoured, by providing the necessary funds to do so. This is particularly important if your wishes involve additional costs that your family might find challenging to cover.
Choosing the Right Funeral Insurance Plan
Choosing a policy that’s right for you really depends on what you need the cover to do. At Just Insurance we understand everyone’s needs are different. So we offer insurance policies designed to help your family cover funeral expenses – whatever type of funeral you choose.
Here are some of the benefits you can look forward to with a policy from Just Insurance:
- Cash payout - Choose up to $30,000 of cover1 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 live.2 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.3
- Guaranteed acceptance - If you’re a New Zealand Resident aged 50 to 80, we guarantee to offer 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.
- 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.
- 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
- Exclusive - Just Insurance is exclusive to us, you can't buy it anywhere else.
- Free Will Kit - You’ll get a free Will Kit when you take out our funeral insurance.
Why consider Just Funeral Insurance?
A Just Funeral Insurance policy can be set up in minutes over the phone. If you’re a New Zealand Resident aged 50 to 80, we guarantee to accept you. There are no medicals or blood tests needed to apply.
At Just Insurance we just keep things simple and straight-forward. So you can enjoy peace of mind today, knowing your family will be left a cash payout in the future.
Get your FREE quote today
If you’re considering funeral insurance, we’re here to help. Our friendly team at Just Funeral Insurance 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. Simply call us on 0800 452 628