Momentum Life vs AIA: Compare life, funeral and other cover

Momentum Life vs AIA: which is a better fit for you?

Momentum Life's Funeral Insurance and Quick Life offer guaranteed acceptance with a 24-month stand-down. Momentum Life's Platinum Life and AIA's Living Life Cover, Cover for Life and Starter Life ask health questions instead, then cover you in full from day one, subject only to a 13-month self-inflicted exclusion. Choose guaranteed acceptance for certainty of cover, or underwriting for cover that starts immediately.

Momentum Life's third product, Platinum Life, also asks health questions. That trade runs through almost every other difference between the two. Guaranteed acceptance removes the risk of being declined, loaded or excluded at application. It replaces that risk with a waiting period.

During it, Funeral Insurance refunds your premiums instead of paying out on a non-accidental death. Quick Life pays nothing if the death is from a pre-existing condition, but pays the full sum insured for a new condition arising after cover started.

Underwriting works the other way round. You answer questions, you may be declined or charged more, and in exchange the cover works from the day it starts.

The buying channel is a smaller difference than it first appears. Momentum Life sells direct, online, or by phone, and advises through its own nominated representatives. Its Quick Life wording also contemplates a policy arranged through an authorised insurance adviser.

AIA does both. AIA Living Life Cover and AIA Cover for Life are arranged through an adviser, who can compare them against other insurers. AIA Essentials and the AIA Starter Plans are bought online only.

Momentum Life and AIA side by side

Momentum Life sells three products and AIA sells four life plans, and each one differs from the others as much as it differs across the two brands: Momentum Life's Funeral Insurance, Quick Life and Platinum Life range from guaranteed acceptance to health questions, while AIA's Living Life Cover, Cover for Life, Essentials and Starter Life range from adviser-arranged to online-only.

Neither insurer publishes a rate table, because both price individually, so the comparison below covers underwriting, entry ages, cover limits and stand-downs rather than premiums.

Four AIA Essentials cells read 'not published' on purpose. AIA advertises the plan's channel, ages, ceiling and bereavement payment on its product page, but no policy wording for it could be located. The other AIA plans' mechanics are not transferable to it.

One more caution on the stand-down row. AIA's own Life Cover page states that its cover is subject to certain stand-down periods and exclusions, and that is accurate. The 13-month clause applies to the death benefit.

Other AIA benefits carry their own stand-downs that vary: Severe Trauma's is 90 days on initial cover, extending to 180 days on cover added later, while income protection's, set on the schedule, can run up to 104 weeks.

Age limits and cover amounts on funeral and life cover plans

Momentum Life's Funeral Insurance accepts applicants aged 40 to 75, for $3,000 to $30,000 of cover. Its two life plans accept ages 18 to 65. AIA's four life plans range from age 10 (Living Life Cover) to age 70 as a cap, with cover amounts set out in the table below.

These figures apply to funeral and life cover plans only. AIA's other products have their own entry ages and eligibility rules, and its trauma, disablement, income protection, and health plans are not covered by the table below.

The table shows three details. Momentum Life's Funeral Insurance pays three times the cover level for an accidental death within 90 days of the accident, so that is how a $30,000 plan reaches $90,000.

AIA Living Life Cover publishes no minimum sum insured, so the floor is set on your own schedule and confirmed with an adviser. AIA Starter Life is open only to people new to AIA who are New Zealand citizens or permanent residents.

Momentum Life's Funeral Insurance accepts applicants up to 75 and is also the smallest cover on offer. AIA Cover for Life will consider applicants past 70, but only individually.

Funeral insurance vs life insurance

Momentum Life's funeral insurance buys a small, guaranteed-acceptance benefit sized to a funeral bill. Life insurance buys a much larger underwritten sum meant to replace what your household loses. A separate guide explains what is life insurance, how much is life insurance, and how much cover works for life insurance for a family.

A moderate funeral with around 50 people attending costs on average about $11,700 for a cremation and $14,300 for a burial. Those averages fall comfortably inside Momentum Life's $3,000–$30,000 funeral range, but below the published minimum on every life plan that states one.

A guide to funeral insurance covers the product category in full, including the alternatives to buying a policy at all.

Three practical differences separate them:

• Size: Funeral cover here runs to $30,000. Life cover runs from $50,000 up to $1 million, or is listed as unlimited.
• Acceptance: Funeral cover here is sold on guaranteed acceptance with a stand-down. Life cover is usually underwritten, though Momentum Life's Quick Life is guaranteed-acceptance life cover.
• Speed: AIA releases funeral money before the full claim is settled, through Bereavement Support on its life plans. Momentum Life does the same only on Platinum Life, through its $10,000 Advance Funeral Payment. Momentum Life's standalone Funeral Insurance instead usually pays the whole benefit within 24–48 hours of approval on a valid claim.

Since 24 September 2025, an insurer can pay out up to $40,000 without a grant of administration. The previous threshold was $15,000.

Above that threshold probate usually takes six to eight weeks. A simple estate can take up to six months to settle. A policy written for the benefit of a spouse, partner, or children creates a trust. That money stays outside the estate while the trust remains unperformed.

Policywise's guide to life insurance for couples covers how couples structure cover for each other.

There is also government help, though not much of it. Work and Income pays a Funeral Grant of up to $2,697.43. It applies only where the costs cannot be met from the estate, the applicant's assets, or another source. ACC pays up to $8,236.40, but only where the death results from an injury it covers.

What the Ombudsman warns about

The Insurance and Financial Services Ombudsman's main warning about funeral insurance is that the premiums can overtake the payout. Sums insured are low and the cover is often held for decades. A policyholder can pay more in premiums than the policy will ever pay out.

One complainant arranged a $20,000 policy in 2010. By 2020 she had paid more than $20,000 in premiums. Her insurer agreed to cancel the policy and refund everything.

Two other points from the same source:

• Funeral insurance is a risk product, not a savings product. If you stop paying, the cover usually lapses and nothing is returned.
• The Fair Insurance Code, which sets claim turnaround benchmarks, does not apply to life or health policies at all.

Funeral cover is also held unevenly. In the Financial Markets Authority's 2024 consumer survey, 11% of tāne Māori and 10% of wāhine Māori held funeral insurance. The figures for non-Māori were 5% of men and 6% of women. Māori were more likely to hold funeral cover and less likely to hold health or life cover.

A prepaid funeral plan is the third option. The Funeral Directors Association runs Now For Them, which is not a savings or investment product. It carries none of the premiums-exceed-cover risk described above. The first $10,000 is excluded from residential care asset testing under current Ministry of Social Development policy.

How to choose between Momentum Life and AIA

Choose on three things:

• whether you can be underwritten
• how much cover you need
• whether you want advice covering more than one insurer

Momentum Life advises only on its own products. AIA sells direct through Essentials and the Starter Plans, but its Living Life Cover and Cover for Life are available through financial advisers.

Policywise is one such adviser and, unlike Momentum Life, can compare AIA against other insurers on its panel. That distinction has a statutory basis.

Anyone giving you regulated financial advice must give priority to your interests. They must take reasonable steps to keep their own interests from materially influencing it. They must also make sure you understand the nature and scope of the advice, including its limitations.

Momentum Life gives advice directly, digitally, and through its own nominated representatives. A nominated representative is a statutory category. The provider limits the scope of the advice they give, and controls when it is given.

Momentum Life's representatives can receive incentives of up to $60 per policy for exceptional customer experience ratings and quality assurance results.

The Financial Markets Authority makes the consumer point plainly. Advice can be free to you and still offer a limited choice of options from only one provider. Its adviser checklist tells you to ask which products an adviser can advise on before you start.

Policywise's guide on how to find an insurance broker covers what else to ask.

Why underwriting help matters

On the underwritten products, Momentum Life's Platinum Life and AIA's four life plans, the disclosure step decides whether a claim is paid in full. This is important since about 10% of complaints to the Ombudsman involve non-disclosure. This does not apply to Momentum Life's guaranteed-acceptance Funeral Insurance and Quick Life, which ask no health questions and so carry no disclosure risk.

New Zealand law does not distinguish innocent non-disclosure from deliberate non-disclosure. The insurer's remedy is to avoid the policy back to the beginning.

The consequences are not theoretical. One claimant died of advanced bowel cancer at 31, years after failing to mention a teenage colonoscopy and an anaemia diagnosis. His insurer could have cancelled the policy from inception. It paid half the benefit instead, which was the reduced cover it would have offered.

Replacing the cover you already hold carries its own risk. The Financial Markets Authority treats replacement as a high-risk transaction, because benefits can be lost and future claims declined.

An FMA review in 2018 found that most 'new' life insurance written in New Zealand was actually replacement business, and fewer than half the firms it reviewed warned customers about it. Policywise's guide on when to review insurance policies sets out when replacing cover makes sense.

Disputes in this part of the market are also rising. In the year to June 2026, health insurance disputes rose 91%. They overtook house and motor vehicle insurance for the first time. The Ombudsman completed a record 833 dispute investigations that year.

Talk to a Policywise adviser if you want someone to handle the disclosure step with you. Policywise is paid by the insurer, not by you, and Policywise's disclosed upfront rate is 10% to 230% of the first year's premium.

How Momentum Life and AIA compare as companies

Momentum Life is Auckland-based and was licensed as an insurer in 2018. AIA New Zealand has traded here since 1981, and calls itself the country's largest life insurer. If you are reading Momentum Life reviews, that public record tells you more than any star rating.

Key facts about Momentum Life

Momentum Life Limited is a licensed New Zealand insurer. Its registered office is Tower 1, Level 7, 205 Queen Street, Auckland Central. It was incorporated in September 2015, and its life insurance licence was issued on 12 March 2018.

Momentum Life launched in April 2016. It underwrites its own risk. It says it is supported by the reinsurer Hannover Re.

Ownership changed recently. The Companies Office records DCG Invest Limited as Momentum Life's ultimate holding company, holding all 1,100 shares.

The change was recorded on the register on 7 August 2025, and the previous shareholder on the register was Insure Pty Limited. DCG Invest was itself incorporated in April 2025, with three directors and three equal corporate shareholder.

Two of the people behind that structure also run the company. Momentum Life's leadership page names its chief executive and one non-executive director as shareholders through DCG Invest. It also names Michael Stiassny as chairman.

• Not on Policywise's panel. Momentum Life does not appear on Policywise's public disclosure, so Policywise cannot advise on it or arrange it for you.
• Advice from its own staff only. If you buy from Momentum Life, its advice comes from its own nominated representatives, though its Quick Life wording contemplates a policy arranged through an authorised insurance adviser.
• Three products. Funeral Insurance, Quick Life, and Platinum Life, with no trauma, disablement, income protection, or health cover.
• Registered provider. It is registered as a financial service provider, FSP472286, and underwrites its own policies.

Key facts about AIA New Zealand

AIA New Zealand Limited is the former Sovereign Assurance Company, renamed in August 2019 after AIA Group bought it. It has been insuring New Zealanders since 1981 and is licensed by the Reserve Bank as an insurer from August 2013. Its registered office is AIA House in Takapuna, Auckland.

Who owns AIA is a question with a clear paper trail. AIA International Limited, a wholly owned subsidiary of AIA Group, acquired the Sovereign business with Overseas Investment Office consent in June 2018. The purchase was completed that July. AIA Group itself listed on the Hong Kong Stock Exchange in 2010 and operates in 18 markets across Asia Pacific.

One claim should be attributed rather than repeated. AIA describes itself as the largest life insurer in Aotearoa New Zealand by market share, citing the Financial Services Council. The Council's published figures are industry totals with no per-insurer breakdown, so treat the ranking as AIA's own claim.

AIA New Zealand does not hold a financial advice provider licence itself. That licence sits with AIA Services New Zealand Limited, and advice is given through AIA Services New Zealand Limited (via its AdviceQual subsidiary), a separate AIA Group entity. Policywise's AIA health insurance review and AIA life insurance guide go further into the products themselves, if you want more detail before you decide.

Financial strength, solvency and claims paid

Both insurers clear the Reserve Bank's solvency requirement, and the gap between them is scale rather than compliance. A solvency ratio compares an insurer's actual capital against the minimum the Reserve Bank requires it to hold.

AIA reported an adjusted solvency ratio of 109% for the whole entity, as at 30 June 2026. The most recent verified Momentum Life disclosure reported 117%, as at 30 September 2025.

AIA's solvency capital, the actual capital an insurer holds, was $1,059.5 million, against Momentum Life's $9.8 million. Read those as two snapshots nine months apart, not as a like-for-like comparison.

AIA's adjusted solvency margin, the amount by which its capital exceeds the regulatory minimum, was $90.4 million alone, larger than Momentum Life's entire solvency capital. Momentum Life calculates its ratio under the Interim Solvency Standard 2023, while AIA's disclosure page does not name the standard it used.

The two financial strength ratings cannot be set side by side. The Reserve Bank's register lists AIA with an AA rating from Fitch, and Momentum Life with a B from A.M. Best. As at 30 September 2025, the same date as the solvency figures above, Momentum Life's B rating was under review with negative implications.

On Fitch's scale AA means very strong, and B means weak. On A.M. Best's scale B means fair.

The letters are not comparable across agencies, so compare each rating to its own scale or compare the solvency ratios instead.

Both disclosures have gaps:

• AIA publishes no outlook or effective date for its Fitch rating, where a rating usually carries both.
• Momentum Life publishes no claims figure of any kind. No total paid, no acceptance rate, no policyholder count appears on its claims or financial strength pages.

AIA does publish claims. It paid $790 million for the year ended 31 December 2025, supporting more than 789,000 New Zealanders, and accepted 91% of claims received..

Momentum Life does publish a turnaround for one product. Valid Funeral Insurance claims are usually paid within 24 to 48 hours of approval. That measures a different thing from AIA's acceptance rate, so the two figures cannot be compared against each other.

Regulatory records belong in the same section, on both sides. In September 2022 the Auckland High Court ordered AIA to pay a $700,000 penalty for false or misleading representations affecting 383 customers.

AIA self-reported the conduct and remediated it. No equivalent enforcement action against Momentum Life was found. The 2019 review of life insurer conduct covered 16 insurers and deliberately named none of them.

Taken together, the public record shows two licensed, solvent insurers of very different scale: Momentum Life carries a fair (B) rating under review, discloses no claims figures, and has no enforcement record either way, while AIA carries a very strong (AA) rating, publishes detailed claims figures, and has one enforcement action on record, self-reported and remediated.

What does Momentum Life offer?

Momentum Life sells three products: Funeral Insurance, Quick Life Insurance, and Platinum Life Insurance. It offers no trauma, disablement, income protection, or health cover. All three pay a lump sum on death and cover you for life once accepted.

They are sold directly, though the Quick Life wording also contemplates a policy arranged through an authorised adviser. The three differ sharply from one another. Two are guaranteed acceptance and one asks health questions, and each has its own stand-down rule. Reading them as a single 'Momentum Life' proposition misses how differently they behave.

Momentum Life Funeral Insurance

Momentum Life Funeral Insurance is guaranteed-acceptance cover for New Zealanders aged 40 to 75: no health questions, medicals, or paperwork. If you buy it, cover levels run from $3,000 to $30,000, and a family policy can hold up to four lives insured.

The stand-down is the defining term. In the first 24 months the policy pays only for an accidental death occurring within 90 days of the accident. A death from any other cause in that window pays nothing, and all premiums paid for that life insured are refunded instead. After 24 months the benefit pays on death from any cause.

Other terms:

• Accidental death pays three times the cover level, within 90 days of the accident.
• Premiums are level and stop at the life insured's 89th birthday, with cover continuing paid-up.
• No terminal illness benefit. The policy pays on death only, and the wording contains no terminal illness provision.
• No pre-existing condition clause appears in the wording. The 24-month stand-down does that work instead.
• A family discount of $150 a year applies for each extra person included on the policy.
• The 10% cashback is an advertised offer, not a policy benefit. It appears on the product page and FAQ but not in the wording or the terms and conditions.

The sum insured is fixed. The wording carries no indexation or automatic increase clause, so a $15,000 benefit bought today is still $15,000 in 20 years.

Momentum Life Quick Life and Platinum Life Insurance

If you're a New Zealand resident aged 18 to 65, Quick Life offers guaranteed-acceptance life cover of $50,000 to $300,000. Platinum Life is simplified-issue cover from $50,000 upwards, for the same age band. Platinum Life asks health and lifestyle questions.

Quick Life's stand-down is narrower than the funeral policy's. For the first two years it excludes death by any other means, or terminal illness, caused by a pre-existing condition. Suicide and intentional self-harm are also excluded in that window.

A new condition arising after cover starts is paid in full from day one. Pre-existing is defined as anything present in the two years before cover started, plus named markers such as a BMI over 40.

Quick Life's benefit rises by 3% each year, up to age 75 or a $500,000 cap. Premiums change annually with age, gender and smoking status, then fix at 75. At 75, $20,000 of the benefit converts to a free standalone funeral benefit. You can instead keep the Quick Life cover running with that free component.

Platinum Life goes through underwriting: it asks health and lifestyle questions, and carries only a 13-month self-inflicted exclusion. Free interim accidental death cover runs for up to 30 days while the application is assessed. Its benefits include:

• An Advance Funeral Payment of $10,000 added automatically after 24 months, paid while the claim is assessed. It reduces the final benefit by the same $10,000.
• A terminal illness benefit on a 12-month prognosis after all reasonably available treatment.
• A Financial Planning Benefit of up to $3,000, added after three years, reimbursed after an accepted death claim.
• Automatic 3% increases to the benefit each year until age 75, with premiums rising to match.

Note one inconsistency in Momentum Life's own material. The Platinum Life wording contains no general pre-existing condition clause. Its marketing page nonetheless warns that pre-existing conditions may not be covered and waiting periods may apply. The wording is the contract.

What does AIA offer?

AIA sells life, health, trauma, total permanent disablement, income protection, specified accidental injury, and specialist testing cover, plus business, rural, and corporate products. It sells no standalone funeral insurance. Its life plans carry the funeral-related benefits instead.

AIA's range is also the reason the two companies are not straightforwardly comparable. Momentum Life covers one risk, death, across three products. AIA covers death alongside serious illness, disability, and medical costs.

AIA Life Insurance (with funeral support)

Every AIA life plan carries a Bereavement Support Benefit. It is an early payment of the life cover, made on written notification of death. It is released ahead of the full claim assessment. Since it is not an addition, it reduces the final life cover benefit.

The exact limits depend on which plan you hold and who owns the policy:

On AIA Living Life Cover, a sole policy owner is capped at $15,000 across both benefits combined. And AIA's marketing pages state Repatriation as up to $25,000 in places, which the policy wording does not support. The wording is the document that governs a claim.

AIA Living Life Cover carries several benefits alongside the sum assured. Three pay in addition to it; one, Terminal Illness, is an early payment that reduces it:

• Parents Grieving Benefit, $2,000 for a child under 10 and $15,000 for a child aged 10 or over, which does not reduce the sum assured.
• Financial and Legal Advice Benefit of up to $2,500, claimable within three months of a qualifying claim being paid.
• Counselling Benefit of up to $2,500 for the life assured or a close relative.
• Terminal Illness Benefit of up to 100% of the life cover on a 12-month prognosis, which does reduce the sum assured.

AIA Cover for Life works differently again. Premiums are level and guaranteed for a chosen term, then stop at 65, 70 or 80 while the cover continues. It has no terminal illness benefit and no child benefit, so death is the only trigger. Policywise's AIA life insurance guide sets out the built-in and optional benefits in full.

Other types of insurance offered by AIA

AIA also sells trauma, total permanent disablement, income protection, and private health insurance, plus business, rural, and Corporate Solutions cover for workplaces. These cover serious illness, disability, lost income, and medical costs that a funeral policy does not. Only AIA's life cover carries funeral-replacement money, through its Bereavement Support Benefit.

AIA also sells Family Protection, which pays a monthly income to the family rather than a lump sum, and Accidental Death Cover, which pays only on accidental death. Neither is comparable to the funeral or whole-of-life benefits covered above.

Here is what each AIA cover pays when the person insured dies:

AIA's Severe Trauma and TPD accelerated benefits work the same way: an accelerated payment decreases the life cover benefit by the same amount. Your trauma money and your funeral money can be the same money.

What the other covers do, in short:

• AIA's trauma insurance pays a lump sum on a listed serious condition. AIA paid over $142 million in trauma claims in 2025, with cancer making up 53% of them. See Policywise's AIA trauma insurance review.
• AIA's income protection replaces part of your income during disability, with a stand-down period chosen at application. See Policywise's AIA income protection guide for the available stand-down options, and its trauma insurance vs income protection comparison for how the two work together.
• AIA's total permanent disablement cover pays a lump sum, standalone or accelerated against life cover. See Policywise's trauma insurance vs TPD comparison for how the two overlap.
• Private health insurance covers private treatment, and is available as AIA Private Health with an optional Private Health Plus upgrade, or AIA Cancer Care. See Policywise's AIA health insurance review.
• Corporate Solutions provides workplace life, disablement, income protection, and critical illness cover, with no funeral-specific benefit named.

Pre-existing conditions, health questions and underwriting

Momentum Life's Funeral Insurance and Quick Life ask no health questions, and manage the risk with a 24-month stand-down instead. Platinum Life and all four AIA life plans ask health questions, and manage the risk by pricing, excluding, or declining the application.

AIA says having pre-existing conditions does not mean you cannot get cover at all, or that a condition will automatically be excluded from your policy. Disclosing it "does not automatically mean that you won't be covered for that condition." Insurers may cover a condition if you meet their criteria, apply a stand-down, or adjust your premium.

Policywise's guides to life insurance and pre-existing conditions and health insurance and pre-existing conditions cover what that looks like in practice.

How Momentum Life handles pre-existing conditions

Momentum Life handles pre-existing conditions differently on each of its three products, and only one of them defines the term at all. Funeral Insurance has no pre-existing condition clause in its wording, and the 24-month any-cause stand-down does that work instead.

Platinum Life has no general pre-existing clause either, and manages health history at application through your duty of disclosure.

Quick Life is the one that defines it. A pre-existing condition is any illness, condition or symptom you had in the two years before cover started. It also names specific markers: very high blood pressure, cholesterol over 7.0, a BMI over 40, and diabetes complications. Those are excluded for two years, and a new condition arising afterwards is covered in full from day one.

The Quick Life wording also refers to a few conditions that can be permanently excluded and are listed in your own policy document. That list does not appear in the published wording, so ask for it before you buy.

How AIA handles pre-existing conditions

AIA has no standalone pre-existing condition clause on its AIA Living life cover, and handles health history through underwriting instead.

Neither the AIA Living Life Cover appendix nor the AIA Living Umbrella wording contains one. Any loading or exclusion that applies to you is decided at application and recorded on your own policy schedule.

Two consequences follow from that, and both cut in your favour and against it. Because there is no blanket exclusion, a disclosed condition can be accepted, priced, or excluded individually.

Your cover also rests on what you disclosed. If a statement was not true and correct, AIA can decline a claim or alter the terms. It can also void the policy and recover benefits already paid.

AIA's treatment varies by product, which is why a single answer does not cover its range:

• Life cover has no pre-existing condition clause.
• Severe trauma carries a permanent pre-existing exclusion, unless the condition was declared and accepted, or could not reasonably have been known
• Starter Life has no pre-existing clause on the life cover itself, only on an optional testing benefit.
• Private health requires disclosure, with the outcome decided case by case.

The duty of disclosure is ongoing, not a one-off form. It applies again whenever you extend, vary or reinstate your cover. Voluntary increases are assessed on your health at the time.

Immediate cover and stand-down periods

A stand-down period is the New Zealand term for a waiting period. It is the window after your policy starts during which some or all causes of death are not covered. Momentum Life's three products use three different stand-downs. AIA's three confirmed life plans use one.

AIA Essentials also asks health questions, but its stand-down wording could not be located.

That table shouldn't be read as 'funeral insurance has a 24-month stand-down'. It is a fact about these specific products. The Ombudsman describes a 12-month accidental-death-only period as the more common market pattern.

Interim cover is the other half of the timing question, and it only exists where there is underwriting to wait for. AIA provides interim cover for up to 60 days while your application is assessed.

It covers death by accident or illness, capped at $500,000 or the amount applied for. Momentum Life's Platinum Life provides free interim cover for up to 30 days, for accidental death only, with the same $500,000 cap.

Momentum Life's two guaranteed-acceptance products need no interim cover, because there is no assessment period to bridge. For Funeral Insurance, accidental death within 90 days pays three times the benefit from day one; any other death in the first 24 months pays nothing, but premiums are refunded.

Quick Life's guaranteed acceptance works differently: cover applies in full from day one for anything other than a pre-existing condition or suicide.

Compare life, funeral and other cover options with Policywise

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