{
  "vertical": "funeral",
  "insurer": {
    "slug": "momentum-life",
    "name": "Momentum Life Funeral Insurance",
    "brand_family": "momentum"
  },
  "product": {
    "slug": "momentum-funeral",
    "name": "Momentum Life Funeral Insurance",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2020-09-21",
    "ingested_at": "2026-05-21T08:33:53.843688+00:00",
    "pdf_hash": "250de57ce3947d12dc9d59c0b6d65565ef33bf236a3194718724559b452e3fc3",
    "source_url": "https://nzcoverdirect.co.nz/media/qsxlz4ja/nzcd-funeral-insurance-policy-wording-mlf2.pdf",
    "page_count": null
  },
  "confidence_tier": "verified",
  "facts": {
    "exclusions": [
      "We will NOT pay the Funeral Insurance Benefit if a Life Insured dies within 24 months of the Cover Start Date for the cover/s unless that Life Insured dies as a direct result of an Accident.",
      "We will not pay any Benefit if this Policy has been cancelled. We will cancel your Policy if you do not pay your premium when it is due and it remains unpaid for more than one month.",
      "The Accidental Death Benefit is only paid if death occurs as a direct result of an Accident, and within 90 days of that Accident.",
      "The Accidental Serious Injury Insurance Benefit is only paid if the Accidental Serious Injury occurs as a direct result of an Accident and within 12 months of that Accident.",
      "No benefit is payable if the Life Insured does not survive at least 14 days from the date of the Accident (Accidental Serious Injury).",
      "If a Life Insured dies or suffers an Accidental Serious Injury during the premium pause period, this Policy will not pay any of the Benefits set out in the Policy Schedule, unless the Life Insured dies because of an Accident, in which case we will pay the Funeral Insurance Benefit for that Life Insured (but no other Benefits)."
    ],
    "entry_age_max": 75,
    "entry_age_min": 16,
    "max_renewal_age": "Premium payments end at age 85; no explicit maximum renewal/expiry age stated beyond that",
    "premium_structure": "Premium rate remains the same each year until the Life Insured reaches his or her 85th birthday, at which time premium payments will end, provided no increase is required because of a change in tax (including but not limited to Goods and Services Tax) or other legislation, or because our claims experience is materially different from expected.",
    "guaranteed_acceptance": "Not explicitly stated as guaranteed acceptance; application must be accepted by us",
    "premium_holiday_rules": "At any time 12 months after the Acceptance Date, we will allow you to pause premium payments for up to three months. We will waive the premiums that are payable during the premium pause and will not cancel this Policy. The premium pause will apply for a maximum of three months over the entire life of this Policy.",
    "sum_insured_range_nzd": "Minimum $3,000 to maximum $20,000 for Funeral Insurance Benefit; Accidental Death Insurance Benefit equals three times chosen Funeral Insurance Benefit (max $60,000); Accidental Serious Injury Insurance Benefit equals two times chosen Funeral Insurance Benefit (max $40,000); Household Expenses Insurance $500 per month for 4–12 months ($2,000–$6,000)",
    "waiting_period_months": 24,
    "cooling_off_period_days": 30,
    "medical_underwriting_rules": "No medical underwriting requirements described for application; at claim time claimant must supply sufficient proof including a form completed by a Medical Practitioner, any other medical or other information reasonably required including tests or medical results, and appropriate certification such as death certificate and/or confirmed diagnosis by a Medical Practitioner who is a specialist in the field",
    "premium_continuation_rules": "Your premium rate will remain the same each year until the Life Insured reaches his or her 85th birthday, at which time premium payments will end.",
    "claim_documentation_required": "A claim form; a form completed by a Medical Practitioner (we will supply the form to the claimant); any other medical or other information that we reasonably require, including any tests or medical results; and/or the appropriate certification e.g. death certificate and/or a confirmed diagnosis of death/injury by a Medical Practitioner who is a specialist in the field.",
    "accidental_death_cover_from_day_one": true
  },
  "endpoints": {
    "summary": "/api/product/momentum-life/momentum-funeral/summary.md",
    "wording": "/api/product/momentum-life/momentum-funeral/wording.md",
    "history": "/api/product/momentum-life/momentum-funeral/history.json"
  },
  "canonical_url": "https://funeralinsurancecomparison.co.nz/api/product/momentum-life/momentum-funeral/facts.json",
  "generated_at": "2026-05-21T09:04:04.193Z",
  "license": "CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz"
}