{
  "vertical": "funeral",
  "topic": {
    "slug": "exclusions-and-suicide-period",
    "title": "Common exclusions",
    "short_title": "Exclusions",
    "description": "Standard exclusions across NZ funeral insurance: death by suicide in the first 12-13 months, war, criminal activity, intoxication-related death. This page lists each insurer's exclusion clause verbatim.",
    "fact_keys": [
      "exclusions"
    ],
    "keywords": [
      "exclusions funeral insurance",
      "suicide exclusion",
      "war exclusion"
    ]
  },
  "snapshot": {
    "generated_at": "2026-05-18T11:55:24.814Z",
    "counts": {
      "insurers": 9,
      "products_total": 9,
      "products_active": 9
    },
    "wording_date_range": {
      "oldest_ingested_at": null,
      "newest_ingested_at": null
    }
  },
  "products": [
    {
      "insurer": {
        "slug": "aa-life-funeral",
        "name": "AA Life Funeral Insurance"
      },
      "product": {
        "slug": "aa-life-funeral-cover",
        "name": "AA Life Funeral Cover"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "exclusions": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/aa-life-funeral/aa-life-funeral-cover/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/aa-life-funeral/aa-life-funeral-cover/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/aa-life-funeral/aa-life-funeral-cover/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "aia-funeral",
        "name": "AIA Funeral Cover"
      },
      "product": {
        "slug": "aia-living-funeral",
        "name": "AIA Living Funeral Cover"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "exclusions": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/aia-funeral/aia-living-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/aia-funeral/aia-living-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/aia-funeral/aia-living-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "chubb-life-funeral",
        "name": "Chubb Life Funeral Cover"
      },
      "product": {
        "slug": "lifeone-funeral",
        "name": "Chubb Life LifeOne Funeral Cover"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "exclusions": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/chubb-life-funeral/lifeone-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/chubb-life-funeral/lifeone-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/chubb-life-funeral/lifeone-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "fidelity-life-funeral",
        "name": "Fidelity Life Funeral Cover"
      },
      "product": {
        "slug": "lifeprotect-funeral",
        "name": "Fidelity Life Funeral Cover (LifeProtect rider)"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "exclusions": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/fidelity-life-funeral/lifeprotect-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/fidelity-life-funeral/lifeprotect-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/fidelity-life-funeral/lifeprotect-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "momentum-life",
        "name": "Momentum Life Funeral Insurance"
      },
      "product": {
        "slug": "momentum-funeral",
        "name": "Momentum Life Funeral Insurance"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "exclusions": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/momentum-life/momentum-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/momentum-life/momentum-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/momentum-life/momentum-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "nz-seniors",
        "name": "NZ Seniors Funeral Insurance"
      },
      "product": {
        "slug": "nz-seniors-funeral",
        "name": "NZ Seniors Funeral Insurance"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "exclusions": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/nz-seniors/nz-seniors-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/nz-seniors/nz-seniors-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/nz-seniors/nz-seniors-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "onechoice-funeral",
        "name": "OneChoice Funeral Insurance"
      },
      "product": {
        "slug": "onechoice-funeral-cover",
        "name": "OneChoice Funeral Insurance"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "exclusions": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/onechoice-funeral/onechoice-funeral-cover/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/onechoice-funeral/onechoice-funeral-cover/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/onechoice-funeral/onechoice-funeral-cover/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "partners-life-funeral",
        "name": "Partners Life Funeral Cover"
      },
      "product": {
        "slug": "youchoose-funeral",
        "name": "Partners Life Funeral Cover (YouChoose rider)"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "exclusions": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/partners-life-funeral/youchoose-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/partners-life-funeral/youchoose-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/partners-life-funeral/youchoose-funeral/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "pinnacle-life",
        "name": "Pinnacle Life"
      },
      "product": {
        "slug": "pinnacle-funeral",
        "name": "Pinnacle Life Funeral Cover"
      },
      "wording_version": null,
      "source_url": null,
      "confidence_tier": "unknown",
      "primary_value": null,
      "values_by_key": {
        "exclusions": null
      },
      "endpoints": {
        "product_facts": "https://funeralinsurancecomparison.co.nz/api/product/pinnacle-life/pinnacle-funeral/facts.json",
        "product_summary": "https://funeralinsurancecomparison.co.nz/api/product/pinnacle-life/pinnacle-funeral/summary.md",
        "product_wording": "https://funeralinsurancecomparison.co.nz/api/product/pinnacle-life/pinnacle-funeral/wording.md"
      }
    }
  ],
  "canonical_url": "https://funeralinsurancecomparison.co.nz/topics/exclusions-and-suicide-period/",
  "license": "CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz"
}