{
  "vertical": "funeral",
  "insurer": {
    "slug": "fidelity-life-funeral",
    "name": "Fidelity Life Funeral Cover",
    "brand_family": "fidelity-life"
  },
  "product": {
    "slug": "lifeprotect-funeral",
    "name": "Fidelity Life Funeral Cover (LifeProtect rider)",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2025-04-30",
    "ingested_at": "2026-05-21T03:28:25.307503+00:00",
    "pdf_hash": "f9f81b99e797e06066e4734684513205617cac8f30f94e28041f645a3d0fc46c",
    "source_url": "https://www.fidelitylife.co.nz/media/rhwnwmfn/life-protect-life-cover-policy-wording.pdf",
    "page_count": null
  },
  "confidence_tier": "low",
  "facts": {
    "exclusions": [
      "We will cancel the cover, or the increased portion of cover, and retain any premiums paid if the insured person, whether sane or insane, dies by their own hand within 13 months of: the start date or the date of reinstatement, or the date of any increases in the sum insured, excluding increases due to CPI Increases.",
      "Child's Funeral Assistance Benefit: death doesn't directly result from a known congenital condition, or any child pre-existing condition",
      "Child's Funeral Assistance Benefit: death hasn't occurred within three months of the start date or reinstatement of their parent's Life Cover",
      "Repatriation Benefit will not pay direct costs which can be or have been claimed, reimbursed, or paid for, under any of the following: a travel insurance policy, any other insurance policy, government aid or assistance, any other source.",
      "Repatriation Benefit does not cover: the insured person's funeral, cremation, or the transportation of their ashes, or burial; the transportation or accommodation cost for a person to accompany the coffin or casket for repatriation; the transportation of the coffin or casket following its arrival in New Zealand or their home country; any other cost which is not a direct cost."
    ],
    "indexation_rules": "If CPI Increases are included in this cover, the policy schedule will state it. The last increase under CPI Increases for the insured person under Life Cover will be applied on the earliest of: the policy anniversary after their 65th birthday, or the total sum insured for all life type covers for the insured person with us and any other insurer, reaching $10,000,000.",
    "accelerated_benefit_rules": "If the insured person dies, you may apply for an immediate advance payment of $15,000 (Bereavement Benefit). If the Life Cover sum insured is equal to or less than $15,000, we will pay the Life Cover sum insured in full. The Life Cover sum insured will reduce by the amount of Bereavement Benefit we pay.",
    "claim_documentation_required": "You must: complete our claim form(s) (if required) in full and send it/them to us as soon as reasonably possible; supply us with all relevant medical evidence we reasonably require in connection with the claim; authorise the disclosure to us of the insured person's or your personal information in connection with the claim held by any other party; authorise the disclosure of the insured person's or your personal information held by us to another party to evaluate the claim; provide us with any other relevant information we reasonably require. For Terminal Illness Benefit and Terminal Illness Partial Benefit claims, the insured person must provide a signed report from an appropriate specialist medical practitioner confirming the diagnosis, prognosis and supporting medical evidence of the terminal illness or condition, and undergo one or more medical examination(s) if we reasonably request them at our expense."
  },
  "endpoints": {
    "summary": "/api/product/fidelity-life-funeral/lifeprotect-funeral/summary.md",
    "wording": "/api/product/fidelity-life-funeral/lifeprotect-funeral/wording.md",
    "history": "/api/product/fidelity-life-funeral/lifeprotect-funeral/history.json"
  },
  "canonical_url": "https://funeralinsurancecomparison.co.nz/api/product/fidelity-life-funeral/lifeprotect-funeral/facts.json",
  "generated_at": "2026-05-21T09:04:03.814Z",
  "license": "CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz"
}