Can You Get Funeral Insurance with No Medical Check?
Published on Wed Apr 23 2025 in Lifestyle
In short - Yes – With Momentum Life, it’s simple and guaranteed!
When planning ahead for the unexpected, one of the most common concerns people have about funeral insurance is whether they’ll need to undergo a medical exam to get covered.
At Momentum Life, the answer is simple: no medical checks required.
________________________________________
✅ Guaranteed Acceptance
We believe that planning for your family's peace of mind shouldn’t come with unnecessary hurdles. That’s why Momentum Life Funeral Insurance offers guaranteed acceptance for all eligible New Zealanders aged 40 to 75 – no health questions, no doctor’s visits, and no paperwork to get cover.
Whether you’re fit and healthy or have pre-existing medical conditions, your eligibility isn't affected. You can apply 100% online, and get the cover you need in just minutes.
________________________________________
⚠️ Immediate Accidental Death Cover & 2-Year Stand-Down Period
Your funeral insurance cover starts immediately for accidental death from the day your policy begins. This means your loved ones are protected right away in the event of an unexpected accident.
What’s more, there is a triple payout for accidental death – from $9,000 up to $90,000.
For death due to natural causes, there is a 2-year stand-down period. If you pass away from natural causes during this period, your premiums will be refunded in full. After the stand-down period, your full cover amount applies for all causes of death.
________________________________________
💡 Why No Medical Check?
We understand that life can be complicated. Getting funeral cover shouldn’t be.
By removing the need for medical assessments, we make it easier for Kiwis to secure affordable cover that helps ease the financial burden on their loved ones when the time comes.
________________________________________
📋 What’s Covered?
Our funeral insurance is designed to help with the essential costs — like funeral services, burial or cremation, and any associated expenses. It provides a lump-sum payment that goes directly to your loved ones, so they can focus on remembering you — not worrying about money.
________________________________________
🔒 Peace of Mind, Made Easy
There’s never been a better time to put plans in place. With Momentum Life, you get:
• Fast, easy online application and purchase
• No medical checks
• Guaranteed acceptance (age 40–75)
• Flexible cover options
________________________________________
Ready to Get Covered?
Visit momentumlife.co.nz/funeral-insurance to learn more and apply today — no stress, no medicals, just peace of mind for you and your family.
________________________________________
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.