Just Insurance

Just Insurance: funeral insurance for New Zealand residents

Just Insurance is an insurer that sells funeral insurance in New Zealand under the Just Funeral Insurance brand. The company presents itself as a straightforward option for leaving a lump sum to help cover funeral costs or final bills, and is aimed at New Zealand residents aged between 50 and 80. The application process requires no medical exams or blood tests, and acceptance is guaranteed for that age range.

The company is part of a group whose brands, according to its own presentation, have been chosen by more than 500,000 customers worldwide and hold 'Excellent' ratings on Trustpilot. Just Insurance operates as a trading name of Neilson Financial Services Pty Ltd (Neilson), with ABN 52 668 314 896.

Funeral insurance cover and conditions

The product allows you to take out a sum insured of between NZ$3,000 and NZ$30,000. During the first twelve months, cover is limited to accidental death; after that period, it covers any cause of death and terminal illness, as defined in the policy document. You can apply online or by phone, and the company says the whole process can be completed in a few minutes.

Key features of the product include:

• Guaranteed acceptance for New Zealand residents aged 50 to 80, with no medical exams or blood tests.
• Terminal illness cover: allows you to receive payment while still alive if a medical specialist certifies that you have one year or less to live. Once this benefit is paid, the policy and cover end.
• Double payout for accidental death from the start of the policy.
• Lower premiums for non-smokers compared with smokers of the same age, sex and benefit amount.
• Free Will Kit with every Just Funeral Insurance policy.

Application process and claims handling

Applying is done in three steps: request a quick quote online or by phone, review your options with a team that provides a free, no-obligation quote, and activate your cover. The company stresses that no brokers or doctors are involved, and that the application is simple.

For claims, Just Insurance has dedicated specialists who support both the policyholder and their family. The company describes the process as straightforward and hassle-free, so that loved ones can focus on the meaningful moments after a loss.

Guarantees for the policyholder

The policy includes a 30-day cooling-off period: if the customer changes their mind within that time and has not made a claim, they can cancel and get a full refund. If they decide to keep it, cover lasts a lifetime and, from the policy anniversary after their 90th birthday, they no longer need to keep paying premiums.

Just Insurance states that this product is exclusive to the company and is not sold through other channels. The company also warns that this is insurance and not a savings plan: if the policy is cancelled outside the cooling-off period, nothing is refunded, and the total premiums paid over the life of the policy could exceed the benefits paid out.

Corporate group and associated brands

Just Insurance is part of a group that operates other insurance brands: Dignity Insurance, Golden Insurance, Direct Cover, British Seniors, Cover Direct, Cover Today, Seniors Choice and Smart Insurance. The company says these brands have received awards and positive ratings, and refers to its awards and recognition section for more information.