{
  "vertical": "funeral",
  "insurer": {
    "slug": "aa-life-funeral",
    "name": "AA Life Funeral Insurance",
    "brand_family": "aa-life"
  },
  "product": {
    "slug": "aa-life-funeral-cover",
    "name": "AA Life Funeral Cover",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2026-05-21",
    "ingested_at": "2026-05-21T03:26:06.967685+00:00",
    "pdf_hash": "f0b7b389b430266abdfc9a9088a251ec6ffa8f9cf8c99310e958764ba44bd844",
    "source_url": "https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/life-insurance/policy-documents/AA-Life-Funeral-Cover-Policy-Nov24.pdf",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "exclusions": [
      "Within the first two years of continuous cover: any illness, disease, naturally occurring condition, degenerative process, or symptom of any of these that the person insured has, or has had.",
      "Within the first two years of continuous cover: suicide or a deliberate act by the person insured causing injury to themselves, whether they are sane or insane, unless that injury is indirect and unintended.",
      "No exclusions apply two years after the later of the date your cover starts or restarts."
    ],
    "payment_speed": "Payment will be made in New Zealand Dollars, usually within 48 hours of the claim being accepted.",
    "max_renewal_age": "Cover continues after age 90 (premiums cease at policy anniversary after age 90) until a claim is accepted, death occurs, or the policy is cancelled.",
    "indexation_rules": "Not specified in the policy wording — no CPI indexation provision described.",
    "premium_structure": "Annual renewable policy (term of one year, renewing each year). Premiums are age-based as set out in the policy summary. We can increase premiums only if the same increase is applied to every other Funeral Cover policy issued under the same offer.",
    "guaranteed_acceptance": "Not explicitly stated as guaranteed acceptance — no medical underwriting questions described, but the policy does not use the phrase 'guaranteed acceptance'.",
    "premium_holiday_rules": "A Premium Holiday Benefit is available for up to 6 months if: (a) you are under age 65, have paid all premiums, and the policy has been continuously in force for at least 24 consecutive months; AND (b) you become involuntarily unemployed, are made bankrupt, or we decide at our sole discretion that you are experiencing financial hardship. Only one Premium Holiday Benefit is available over the life of the policy. Cover continues during the premium holiday. When the premium holiday ends, premiums must resume.",
    "sum_insured_range_nzd": "Maximum combined cover under all Funeral Cover policies issued by Asteron Life is $30,000 per person insured (excluding Additional Accidental Death Benefit). Individual cover amount set out in policy summary.",
    "waiting_period_months": 24,
    "cooling_off_period_days": 30,
    "accelerated_benefit_rules": "Terminal illness benefit: if diagnosed with a terminal illness (an illness that in the opinion of a doctor approved by us will result in death within 12 months) after 24 consecutive months of continuous cover, the full Funeral and Terminal Illness Benefit cover amount is paid. Cover then ends on the date the terminal illness claim is accepted.",
    "medical_underwriting_rules": "No medical underwriting questions described for policy issue. When a claim for terminal illness is made, we may require you to have one or more medical examinations at our expense.",
    "premium_continuation_rules": "Premium payments will end on the policy anniversary date after the person insured reaches age 90. Cover under this policy will continue until a claim is accepted, death occurs, or you cancel the policy.",
    "claim_documentation_required": "Properly completed claim form(s); proof of the person insured's death if a death claim has been made; acceptable evidence of the identity and legal title of the person making the claim; information needed to assess the claim. A certified copy of probate is also required if a death claim has been made where you are the person insured, no joint owner or nominated beneficiary is named on the policy, and the amount payable is greater than $40,000.",
    "accidental_death_cover_from_day_one": "true — accidental death (injury caused solely and directly by an accident, with death within 90 days) is covered from the date cover starts, with no waiting period."
  },
  "endpoints": {
    "summary": "/api/product/aa-life-funeral/aa-life-funeral-cover/summary.md",
    "wording": "/api/product/aa-life-funeral/aa-life-funeral-cover/wording.md",
    "history": "/api/product/aa-life-funeral/aa-life-funeral-cover/history.json"
  },
  "canonical_url": "https://funeralinsurancecomparison.co.nz/api/product/aa-life-funeral/aa-life-funeral-cover/facts.json",
  "generated_at": "2026-05-21T09:04:02.675Z",
  "license": "CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz"
}