Financial Assistance

We know funeral costs can feel overwhelming. Our team can guide you through available financial support—such as WINZ, ACC, KiwiSaver, and insurance—and help with the paperwork to make things easier.

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Funeral and Life Insurance

Funeral and Life Insurance

Funeral and Life Insurance provide families with immediate financial support after a death, offering peace of mind and certainty during a difficult time. Depending on the policy, these plans pay out a tax-free lump sum that can be used to cover essential funeral costs such as the casket, cremation or burial fees, venue hire, flowers, transport, and memorial expenses. Many policies include fast-payout funeral cover, which is designed to release funds quickly so families can make arrangements without delay. Life insurance may also provide a larger benefit to support dependants, household expenses, or outstanding debts. For whānau in Auckland and across New Zealand, funeral and life insurance can significantly reduce financial stress and give families the ability to focus on honouring their loved one.

If your family is experiencing financial difficulty, you may also be eligible for a KiwiSaver Significant Hardship Withdrawal, Estate Withdrawl Kiwisaver Deceased, WINZ Funeral Grant, or the ACC Accidental Death Grant.

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  • What can the insurance payout be used for?

    You can use it for funeral costs - like the casket, cremation or burial fees, venue, or transport -but the payout is simply money transferred into your account. You can use it however your family needs, including covering immediate expenses or supporting loved ones.

  • What is needed to make a claim?

    You’ll usually need the insurance policy details, the completed claim form, and proof of identity. Many insurers also require the official death certificate. We help you gather everything and submit it correctly.

  • How long does it take to payout?

    It depends on the insurance company. Some pay out quickly, but if they require the official death certificate, the claim can’t be lodged until after the funeral. The death certificate usually takes about a week to be issued and sent to us, so this can delay the payout.

  • How do you make a claim?

    We help you contact the insurer, prepare the documents, and submit the claim. Once lodged, the insurer deals directly with you about the payout.

Financial support during a difficult time shouldn’t be confusing.

Our team will guide you through every option - Work and Income, ACC, KiwiSaver, insurance, or bank withdrawals - and help you complete each application correctly. With clear explanations and practical support, we make accessing financial assistance in Auckland simple and stress-free.