{
  "vertical": "funeral",
  "insurer": {
    "slug": "nz-seniors",
    "name": "NZ Seniors Funeral Insurance",
    "brand_family": "nz-seniors"
  },
  "product": {
    "slug": "nz-seniors-funeral",
    "name": "NZ Seniors Funeral Insurance",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2026-05-18",
    "ingested_at": "2026-05-18T12:15:42.575791+00:00",
    "pdf_hash": "826d402dbd0f2c7da6965a62e7c307935f9d7ff008a0617d9e225891241e5bb4",
    "source_url": "https://www.nzseniors.co.nz/documents/seniors-funeral-insurance-policy-document.pdf",
    "page_count": null
  },
  "confidence_tier": "verified",
  "facts": {
    "exclusions": [
      "During the first 12 months after the Acceptance Date, a Funeral Insurance Benefit Amount (and the Accidental Death Benefit) will only be paid if the Life Insured suffers Accidental Death. This means that no benefit is payable if a Life Insured dies as a result of any other cause during this period.",
      "We will not pay a Funeral Insurance Benefit Amount if a Life Insured is diagnosed with a Terminal Illness within 12 months of the Acceptance Date of the Policy, or within 12 months of the date on which this Policy is reinstated.",
      "an intentional self-inflicted bodily injury, suicide, or attempted suicide",
      "engaging in any criminal activities or illegal acts",
      "the consumption of drugs (unless it was under the direction of a Medical Practitioner and not in connection with treatment for substance abuse, drug addiction or dependence)",
      "the consumption of intoxicating liquor or other beverages, including having a blood alcohol content over the prescribed legal limit whilst driving",
      "engaging in any professional sport (meaning the Life Insured's livelihood is substantially dependent on income received as a result of playing sport)",
      "engaging in any motor sports (land or water) as a rider, driver and/or passenger",
      "being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft",
      "war (whether declared or not) or war-like activity, or taking part in a riot or civil commotion",
      "Accidental Serious Injury Benefit cover ends on the Policy Anniversary following the Life Insured's 75th birthday"
    ],
    "entry_age_max": 79,
    "entry_age_min": 18,
    "payment_speed": "Claims should be lodged within 120 days of the insured event to assist in reducing delays; specific payment turnaround timeline not stated in the policy wording.",
    "max_renewal_age": "Cover continues until the Life Insured's 100th birthday (at which point the Funeral Insurance Benefit Amount plus Bonus Cover is paid), subject to the Policy remaining in force and premiums being paid up to age 85.",
    "indexation_rules": "No CPI indexation described. Benefit Amount stays fixed as chosen, except that from the Life Insured's 85th birthday a 25% Bonus Cover is automatically added to the Funeral Insurance Benefit Amount in force immediately prior to their 85th birthday at no additional premium.",
    "premium_structure": "Level premiums — 'Your premiums are level, which means they are designed to stay consistent year on year, but will change if you apply to change your cover, or we change the premium rates for your Policy.' Premiums cease entirely at age 85.",
    "guaranteed_acceptance": "Guaranteed acceptance is implied for eligible applicants (New Zealand Residents aged 18–79) with no medical underwriting; however, the policy does not use the phrase 'guaranteed acceptance' explicitly.",
    "premium_holiday_rules": "If you are having difficulty making your premium payments, please contact us and we will inform you of the options we can provide to assist you to retain your cover. No formal premium holiday terms specified.",
    "sum_insured_range_nzd": "Up to a maximum of $30,000; specific selectable amounts not listed in policy wording (set out in Policy Schedule)",
    "waiting_period_months": 12,
    "cooling_off_period_days": 30,
    "medical_underwriting_rules": "No medical underwriting requirements described. Eligibility is based solely on age (18–79) and New Zealand residency status at time of application.",
    "premium_continuation_rules": "When a Life Insured reaches age 85, and the Policy is still in force, cover for that Life Insured will continue, and premiums for that Life Insured are no longer payable. If you have a joint plan and your Partner Life Insured is aged less than 85, premiums for your Partner Life Insured are still payable until they reach age 85.",
    "claim_documentation_required": "Completed and signed claim form; proof to our reasonable satisfaction that the insured event has occurred; support from one or more appropriate Medical Practitioners (where relevant in the case of an Accident); all relevant information including any test, examination, or laboratory results. We reserve the right to require the Life Insured to undergo examinations or other reasonable tests (including, where necessary, a post-mortem examination).",
    "accidental_death_cover_from_day_one": true
  },
  "endpoints": {
    "summary": "/api/product/nz-seniors/nz-seniors-funeral/summary.md",
    "wording": "/api/product/nz-seniors/nz-seniors-funeral/wording.md",
    "history": "/api/product/nz-seniors/nz-seniors-funeral/history.json"
  },
  "canonical_url": "https://funeralinsurancecomparison.co.nz/api/product/nz-seniors/nz-seniors-funeral/facts.json",
  "generated_at": "2026-05-21T09:04:04.581Z",
  "license": "CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz"
}