{
  "vertical": "funeral",
  "insurer": {
    "slug": "chubb-life-funeral",
    "name": "Chubb Life Funeral Cover",
    "brand_family": "chubb-life"
  },
  "product": {
    "slug": "lifeone-funeral",
    "name": "Chubb Life LifeOne Funeral Cover",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2026-05-21",
    "ingested_at": "2026-05-21T09:03:50.676321+00:00",
    "pdf_hash": "a741d595b48ab462db64e0490c9d553e3ab0596ad7c6ad419564333e440ea6d2",
    "source_url": "https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/cig0421-chubb-life-funeral-policy-wording-v1.pdf",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "exclusions": [
      "If the life assured dies within 24 months of the cover start date from any cause other than an accidental injury, the sum insured is not paid — only premiums paid for the relevant cover are refunded.",
      "Cover does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Chubb Life from providing insurance, including paying claims.",
      "Cover may be cancelled or claim declined if the life assured was not a permanent resident of New Zealand when their cover started.",
      "If false or incorrect information was provided, or information asked for was not given, Chubb Life may decline the claim, reduce or cancel cover, cancel the policy from inception, or keep all or some of premiums."
    ],
    "max_renewal_age": "Cover continues until the life assured's 90th birthday (at which point premiums cease but the policy wording does not explicitly state cover ends at age 90 — only that premiums stop).",
    "indexation_rules": "No indexation rules stated in the policy text; sum insured is fixed as shown on the policy schedule.",
    "premium_structure": "Premiums will not increase each year based on age or situation (capped/level structure). Rates may change only if Chubb Life changes premium rates across all policies issued under this Funeral Cover, with 30 days written notice.",
    "premium_holiday_rules": "No premium holiday or pause facility described. Premiums may be waived (not paused) permanently via the Long-Term Care Premium Waiver if the life assured can no longer manage at home and requires long-term care, the cover has been in force for more than five years, no premiums are outstanding, and written confirmation from an Approved Needs Assessment Agency is provided.",
    "sum_insured_range_nzd": "Sum insured amounts are shown on the policy schedule; combined benefits from all Chubb Life funeral insurance policies are limited to $30,000 per life assured",
    "waiting_period_months": 24,
    "cooling_off_period_days": 30,
    "medical_underwriting_rules": "Any medical information required to support a claim must be provided by appropriately qualified medical practitioners registered in New Zealand or Australia (or any other country Chubb Life approves). No underwriting medical requirements are described in the policy wording.",
    "premium_continuation_rules": "Premiums continue until the earliest of: the life assured's 90th birthday, or the date Chubb Life accepts an application for the Long-Term Care Premium Waiver.",
    "claim_documentation_required": "Claimant may need to complete a claim form. Chubb Life will advise if supporting documents are required. Medical information must be provided by appropriately qualified medical practitioners registered in New Zealand or Australia (or any other approved country). Costs of providing supporting documents must be paid by the remaining policy owner, nominated beneficiary, or the life assured's estate.",
    "accidental_death_cover_from_day_one": true
  },
  "endpoints": {
    "summary": "/api/product/chubb-life-funeral/lifeone-funeral/summary.md",
    "wording": "/api/product/chubb-life-funeral/lifeone-funeral/wording.md",
    "history": "/api/product/chubb-life-funeral/lifeone-funeral/history.json"
  },
  "canonical_url": "https://funeralinsurancecomparison.co.nz/api/product/chubb-life-funeral/lifeone-funeral/facts.json",
  "generated_at": "2026-05-21T09:04:03.443Z",
  "license": "CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz"
}