Why Your Pet Might Be More Prepared Than You Are

Published on Wed Jun 18 2025 in Money

We all unquestionably love our pets – But lately, Kiwi pet owners are getting wise about planning for their pets’ future, perhaps even more than their own. With vet bills skyrocketing, more pets are on insurance, while funeral insurance uptake remains low. That contrast is striking.

? Pet Insurance is No Longer a Niche

• In 2022, the NZ pet insurance market was valued at NZ$30 million, expected to hit NZ$50 million by 2025.

• Southern Cross Pet Insurance reached over 65,000 policies by early 2025. In May 2022, only ~22% of NZ pet owners had cover—but that’s climbed to ~33% by January 2025.

• Vetlife reports that only 15–20% of NZ pets are insured, which still equates to hundreds of thousands—since ~63% of Kiwi households have pets.

⚖️ Funeral Insurance Uptake in NZ

• Although hard stats are scarce, pet insurance support typically falls in the 15–37% range.  

• In contrast, funeral insurance uptake remains very low. For example, only 5% of Kiwis have pre-paid or planned funeral cover. 

• The above, in spite of the fact that the average NZ funeral now costs around $10,000—up to $15,000 for more elaborate services.

 

? How Funeral Insurance Offers Peace of Mind

Just as pet insurance gives you control over your dog or cat’s care, funeral insurance helps protect your loved ones from financial strain when you pass away. A simple lump-sum payout can help cover all expenses—coffin, plots, catering, celebrant—allowing families to focus on honouring your life.

✅ Final Word

Protecting our pets isn’t just about financial prudence; it’s a promise to care for them no matter what. With funerals now costing tens of thousands, funeral insurance offers a similar promise—to shield those we love from bill shock during a painful time. If you’re ready to talk about a plan that honours your final legacy, we at Momentum Life are here to help. 

It’s all really quick, and simple – You can sign up for a funeral insurance plan online, or call us on 0800 111 679 and we’ll get you sorted. 

Get funeral cover today, to make sure your family is protected during an already difficult time.  

 

The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.

Farewells and Flavours: A Global Look at Funeral Food Traditions

Published on Wed Jun 18 2025 in Community

Food has always brought people together—especially in moments of grief. Across the globe, cultures use food to honour loved ones who have passed. From pavlova in New Zealand to pickled herring in Scandinavia, funeral food tells a powerful story about community, culture, and remembrance.

So, what’s on the table when it comes to mourning traditions around the world?

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? New Zealand & Australia: The Pavlova, Sausage Rolls & a Good Cuppa

In Aotearoa, funeral gatherings often feature familiar comfort food—scones, sandwiches, sausage rolls, and yes, the iconic pavlova. It’s not just about eating; it’s about sharing, storytelling, and making sure no one grieves alone.

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Japan: Rice Bowls and Respect

Japanese funerals are deeply ceremonial. After the formalities, guests receive a meal known as a koden, often including rice, tempura, and miso soup. The meal is symbolic — nourishment for both body and soul.

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Poland: Pickled Herring and Hearty Fare

In Poland, post-funeral meals (stypa) are serious affairs. Mourners gather for hot dishes like pierogi, borscht, and pickled herring—comfort food served to honour the deceased and ease grief.

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United States: From Casseroles to Cake

In the American South, “funeral potatoes” (a creamy cheesy bake) are a staple. In the Midwest, you might find ham sandwiches and Jell-O salads. It’s less about delicacy, more about comfort and community.

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Why Does This Matter?

Whether it’s a simple pav or a feast of dumplings, food plays a key role in how we say goodbye. But behind the shared meals and warm memories lies the reality: funerals can be expensive.

In New Zealand, the average funeral costs between $10,000 and $15,000 or more —and catering is just one part of it. Between venues, transportation, flowers, and more, it adds up quickly.

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The Case for Funeral Insurance

Funeral insurance ensures your loved ones aren’t left footing the bill—whether it’s for a quiet tea or a full buffet. A simple lump-sum payout can help cover funeral costs so your family can focus on celebrating your life—food, laughter, and stories included.

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Final Word

No matter where you’re from or what ends up on the table, food has a way of turning grief into connection. It’s how we honour the past and comfort the living.

So whether you’re a fan of pavlova or pickled herring, plan a farewell that reflects your story—and support your family through it.

Sign up for funeral insurance today with Momentum Life. It’s a simple, quick online purchase of funeral cover involving no medicals and no paperwork; a breeze of a process. 

 

A little planning now can mean a world of comfort later.

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The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.

You’ve Got a Will, But Have You Got a Way?

Published on Thu Jun 5 2025 in Money

Many New Zealanders understand the importance of having a will. Yet, a significant number overlook the financial implications that come with end-of-life arrangements. While a will outlines your wishes, it doesn’t cover the costs associated with fulfilling them.

The Reality of Wills in New Zealand

Recent research indicates that nearly half of New Zealand adults do not have a will. Even among those who do, many are unaware that a will doesn’t provide the funds needed for funeral expenses.

The Missing Piece: Funeral Insurance

A will specifies your desires, but without the financial means to execute them, families may face unexpected burdens. Funeral insurance ensures that your loved ones have the necessary resources to carry out your final wishes without added stress.

Planning Ahead for Peace of Mind

By combining a well-prepared will with a comprehensive funeral insurance plan, you provide clarity and financial support for your family during a challenging time. This proactive approach ensures that your legacy is honored as intended. 

Secure your family’s future today. Explore Momentum Life’s funeral insurance options to complement your estate planning. You could purchase online right away, or place an enquiry for one of our friendly team members to assist in taking out a policy. 

 

The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.

Long Weekend Road Trips and Life’s What-Ifs: Are You Covered?

Published on Fri May 30 2025 in Lifestyle

As we head into another long weekend, many New Zealanders will be packing the car, checking the weather, and setting off on road trips to enjoy time with loved ones. Whether it’s a beach escape, a visit to the bach, or a scenic drive through the country, there’s nothing quite like a Kiwi long weekend.

But while we plan for fun and relaxation, it’s also worth sparing a moment to think about the unexpected.

Life Happens – Even on Long Weekends

Long weekends often come with increased traffic and, unfortunately, a higher risk of road accidents. While we always hope for safe journeys, it’s a good reminder of how quickly life can change.

That’s where funeral insurance can help. At Momentum Life, we offer straightforward, reliable funeral cover that you can purchase online to give you and your whānau peace of mind—so if the unthinkable happens, your loved ones won’t be left worrying about funeral expenses during an already difficult time.

Why Funeral Insurance Matters

Funeral insurance is designed to provide a lump sum payout to help cover funeral costs, often within just a few days of a claim being accepted. It’s a small step that can make a big difference to your family’s financial and emotional wellbeing.

Enjoy the Weekend—Knowing You’re Covered

As you hit the road this long weekend, take a moment to reflect on your life planning. Funeral insurance might not be the first thing on your mind—but it could be one of the smartest things you do for your loved ones.

Get funeral cover now, and enjoy the long weekend with complete peace of mind. 

 

The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.

We Budget for Weddings and Babies — So Why Not Funerals?

Published on Wed May 28 2025 in Lifestyle

We meticulously plan for life’s joyful milestones—weddings, the arrival of a new baby, or even the holiday season. Yet, when it comes to the inevitable end-of-life event, many of us shy away from preparation. While it’s natural to avoid contemplating our mortality, considering the financial implications of a funeral is a practical step toward protecting our loved ones.

The Financial Reality of Funerals in New Zealand

Funerals in New Zealand can be unexpectedly costly, depending on various factors such as burial or cremation choices, service fees, and additional expenses like flowers and catering. 

Why Funeral Insurance Matters

Funeral insurance provides a lump-sum payment to your family upon your passing, helping to cover funeral expenses and alleviate financial stress during a difficult time. With Momentum Life, you can choose a level of cover that suits your needs, ensuring your family isn’t burdened with unexpected costs. 

Planning Ahead Is an Act of Love

Just as we plan for weddings and prepare for the arrival of a child, arranging for end-of-life expenses is a thoughtful way to care for those we leave behind. By securing funeral insurance, you’re offering your family peace of mind, allowing them to focus on celebrating your life without the added worry of financial strain.

Take the Next Step

With Momentum Life, it’s easy, and all online – Simply fill in a few details and purchase funeral insurance to secure your family’s future, and your peace of mind, today.

 

The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.

Building a Resilient Future: What Rail Upgrades Teach Us About Financial Preparedness

Published on Wed May 21 2025 in Community

In the 2025 Budget, the New Zealand Government announced a significant investment of over $600 million to upgrade the nation’s rail network. This funding includes $461 million for the national freight network and more than $140 million for metropolitan rail in Auckland and Wellington.  

This commitment to infrastructure underscores the importance of proactive planning and resilience. Just as the government is investing in the country’s future, individuals can take steps to secure their own.

The Importance of Funeral Insurance

Life is unpredictable, and while we can’t foresee every event, we can prepare for them. Funeral insurance offers peace of mind, ensuring that your loved ones aren’t burdened with unexpected expenses during a difficult time.

At Momentum Life, we understand the value of planning ahead. Our funeral insurance policies are designed to provide financial support when it’s needed most, allowing families to focus on healing rather than finances. With our quick, online sign-up option, you can secure your family’s future and have peace of mind with just a few clicks. 

Take the Next Step

Just as the government is investing in the nation’s infrastructure, consider investing in your family’s future. Get a quote today and find a plan that suits your needs.

 

The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.

KiwiSaver Changes and Economic Uncertainty: Why Now is the Time to Secure Your Financial Future

Published on Mon May 19 2025 in Money

As discussions around changes to KiwiSaver heat up in Wellington, many Kiwis are understandably questioning what the future holds for their retirement savings. Coupled with fluctuating interest rates, rising living costs, and a constantly shifting economic landscape, it’s becoming more important than ever to take personal control of your long-term financial security.

One area that often gets overlooked in financial planning is funeral insurance. While many people put emphasis on saving for a comfortable retirement, few plan for the expenses that can arise unexpectedly—especially at the end of life.

At Momentum Life, we believe peace of mind should be part of your financial future. That’s why we offer Funeral Insurance that’s simple to get and easy to understand. No medicals. No paperwork. Just straightforward cover you can rely on, with guaranteed acceptance for all New Zealanders aged 40 to 75. What’s more, you can buy funeral insurance online. 

Why Now?

If KiwiSaver rules are tightened or returns are affected, some people may find themselves with less flexibility or fewer funds than expected. Adding a small, fixed funeral cover can ease the burden on loved ones—and ensure that your legacy doesn’t come with a financial cost.

Now is the time to take stock of your finances and prepare for all stages of life. Momentum Life is here to support you with smart, affordable cover that fits your future.

 

The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.

Protecting Our Youth: Financial Planning in the Digital Age

Published on Wed May 14 2025 in Family

In today’s fast-paced digital world, ensuring our children are protected extends beyond online safety. As the New Zealand government considers a social media ban for under-16s to shield them from online harm, it’s a timely reminder for parents to take stock of how we safeguard our children’s overall future – including financially.

While funeral insurance may not be top of mind when thinking about your child’s wellbeing, it’s an essential part of comprehensive family planning. Should the unexpected happen, having cover in place can alleviate financial strain during one of life’s most difficult times.

Momentum Life offers funeral insurance that’s simple, accessible, and guaranteed for New Zealanders aged 40 to 75. With no medicals or complex paperwork, it’s a practical way to ensure your family has financial support when it matters most.

As we take steps to protect our kids online, let’s also ensure we’re planning ahead to support them emotionally and financially. Learn more about how funeral insurance can be part of your family’s safety net.

Get a quote and buy Momentum Life Funeral Insurance now. 

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The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.

Auckland’s Housing Market Is Stabilising – But What Does It Mean for Your Long-Term Financial Security?

Published on Fri May 9 2025 in Money

After a few years of turbulence, Auckland’s housing market is starting to show signs of recovery. According to the latest figures from the Real Estate Institute of New Zealand (REINZ), the median house price in Auckland has stabilised at $1.04 million as of March 2025. While that figure represents a 2.8% annual decline, experts suggest we’ve turned a corner from the price dips of recent years.

That’s good news for homeowners and investors – but what does it mean for everyday Kiwis trying to plan for the future?

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? The Bigger Picture: Economy Still Finding Its Feet

Despite some recovery in housing, New Zealand’s overall economy remains fragile. Even though NZ’s Gross Domestic Product (GDP) rose 0.7% in the December quarter of 2024, unemployment is sitting at 5.1% in the March 2025 quarter  5.3%, its highest level since 2016. These figures point to an economy in transition – slowly regaining ground, but still vulnerable to global uncertainty and domestic challenges.

While interest rate cuts by the Reserve Bank – and more expected- could ease the pressure on mortgages, many families are reassessing their long-term financial resilience. It’s not just about home ownership anymore – it’s about building a robust safety net across all aspects of life.

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? Why Funeral Insurance Deserves a Spot in Your Financial Plan

In this climate, financial planning should go beyond savings accounts and property investments. It’s about making sure every part of your plan includes protection for your loved ones, even in life’s most difficult moments.

That’s where funeral insurance comes in.

At Momentum Life, we’ve seen firsthand how funeral costs – several thousand dollars in New Zealand – can strain families emotionally and financially. And unlike some other policies, our funeral insurance offers guaranteed acceptance for NZ residents aged 40 to 75, with no medicals required.

Think of it this way: you may have your mortgage sorted, your super fund on track, and even a small portfolio of investments. But if something were to happen to you unexpectedly, would your family have the immediate funds to cover your farewell?

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? Final Thoughts

Auckland’s housing market may be bouncing back, but financial certainty still feels out of reach for many. As part of your holistic approach to financial planning, funeral insurance is a smart, responsible way to protect the people who matter most – no matter what the economy throws at us next.

Explore Momentum Life’s simple, online funeral insurance plans today. Your family’s future is worth it.

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The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.

As the Seasons Change, So Can Life – Why Funeral Insurance Matters This Autumn-Winter

Published on Wed May 7 2025 in Lifestyle

As the golden leaves fall and crisp winds roll in, autumn in New Zealand gently reminds us that change is a constant part of life. Just like the shift from warm summer days to the cool embrace of winter, life, too, has its own seasons—some expected, others not.

At Momentum Life, we understand that change can often come unannounced. The unexpected loss of a loved one is one such life-altering moment—something no one is ever truly prepared for. That’s why funeral insurance should be top of mind, especially during the autumn and winter months when families tend to come together, reflect, and reassess priorities.

These colder seasons are a perfect time to ensure your affairs are in order, so your family is protected from the financial stress of unexpected expenses. Our Funeral Insurance offers peace of mind—guaranteed acceptance for New Zealanders aged 40–75, no medicals required, and easy online sign-up from the comfort of your home.

Much like preparing your home for winter, funeral insurance is a practical step toward safeguarding your loved ones from life’s inevitable turns. Because life’s seasons change, and preparation today can mean security for those you love tomorrow.

Be ready for life’s changes—whatever season you’re in. Learn more about Momentum Life Funeral Insurance and sign up today.

 

The content provided in this article is for information purposes only. The information is of a general nature and does not constitute financial advice or other professional advice. To the extent that any of the content constitutes financial advice, it is limited to Momentum Life products only and does not consider your specific financial needs or goals. You should consider whether the information is appropriate for you and seek independent professional advice, if required.

All product information is correct at the time this article was published. For current product information, please visit the Momentum Life website.