{
  "vertical": "funeral",
  "insurer": {
    "slug": "aia-funeral",
    "name": "AIA Funeral Cover",
    "brand_family": "aia"
  },
  "product": {
    "slug": "aia-living-funeral",
    "name": "AIA Living Funeral Cover",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2026-05-21",
    "ingested_at": "2026-05-21T03:27:15.725345+00:00",
    "pdf_hash": "d44cf97c88d9801e1b053b1b549ef3dffbdce2413caa452abfb966ca49f82484",
    "source_url": "https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/aia-living/personal/aia-living-personal-life-cover-policy-wording.pdf",
    "page_count": null
  },
  "confidence_tier": "low",
  "facts": {
    "exclusions": [
      "AIA will not pay any benefit under this appendix where the life assured dies or becomes terminally ill as a direct or indirect result of an intentional self-inflicted act (whether sane or insane) within 13 months of the risk commencement date or, if cover under this appendix has been reinstated, the date of reinstatement. This exclusion applies to any subsequent benefit increase you make.",
      "AIA will not pay a Parents Grieving Benefit if death directly or indirectly arises from an injury caused by you, or the child's parents or guardian(s).",
      "AIA will not pay the increased benefit amount if: Before the increase, the life assured qualified for payment of the Terminal Illness Benefit or the Specified Terminal Conditions Benefit; or Within six months following the increase, the life assured dies, except where accidental death under this benefit occurs; or qualifies for payment of the Terminal Illness Benefit or the Specified Terminal Conditions Benefit.",
      "After the Special Events TPD/Trauma Facility has been exercised, AIA will not pay a benefit under the added benefit, if, at any time before the Facility was exercised, or within six months of the Facility being exercised, the life assured suffers any claim event for anything other than an accident under the benefit, or has any symptoms or signs leading to a claim event (whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the benefit.",
      "No claim under this benefit appendix will be payable for any claim event that occurs during the period that the cover is suspended."
    ],
    "premium_structure": "The policy references both a 'Rate for Age' (stepped) premium type and a 'Level' premium structure, and includes a Premium Conversion Facility allowing conversion from Rate for Age to a Level premium structure at any time without further medical evidence.",
    "premium_holiday_rules": "A life assured can suspend their cover under this benefit appendix for up to 12 months if they go on parental leave; go on leave without pay for any reason; become unemployed or redundant; experience at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year); or if self-employed, experience a 30% reduction in revenue (by comparing one month's revenue against the same month for the previous year), provided that the premium type shown in the schedule for the Life Cover Benefit is Rate for Age; you notify AIA within three months of one of the above listed suspension events occurring and provide evidence to AIA of the suspension event; and AIA acknowledges in writing receipt of that notification. No premium will be payable during the period that the cover is suspended.",
    "accelerated_benefit_rules": "The Bereavement Support Benefit will pay the lower of: the Life Cover Benefit; $15,000 if the life assured is the sole policy owner; or $25,000 if there is a surviving policy owner. This Bereavement Support Benefit will be treated as an early payment of the Life Cover Benefit. The Life Cover Benefit will then be reduced by the amount paid. Only one Bereavement Support Benefit payment per life assured will be made.",
    "claim_documentation_required": "A full death certificate (in the event of the death of a life assured), and a coroner's report if applicable. A grant of administration – probate, or certificate of administration, or letters of administration if the deceased was the sole policy owner. For a Terminal Illness Benefit, evidence from a registered medical practitioner diagnosing an illness which will result in the death of the life assured within 12 months of the diagnosis and any other evidence we may reasonably require. For a Specified Terminal Conditions Benefit, evidence from a registered medical practitioner with an unequivocal diagnosis of a specified condition and any other evidence we may reasonably require."
  },
  "endpoints": {
    "summary": "/api/product/aia-funeral/aia-living-funeral/summary.md",
    "wording": "/api/product/aia-funeral/aia-living-funeral/wording.md",
    "history": "/api/product/aia-funeral/aia-living-funeral/history.json"
  },
  "canonical_url": "https://funeralinsurancecomparison.co.nz/api/product/aia-funeral/aia-living-funeral/facts.json",
  "generated_at": "2026-05-21T09:04:03.058Z",
  "license": "CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz"
}