# Common exclusions

> 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.

**Vertical:** funeral · **Topic:** exclusions-and-suicide-period · **Snapshot:** 2026-05-18T11:55:24.814Z

**Source:** Each product's policy wording PDF (where publicly available). License: CC BY 4.0 — attribute https://funeralinsurancecomparison.co.nz.

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_No on-file values for this topic. NZ funeral cover is predominantly adviser-distributed or quote-form-only — public PDS PDFs are scarce. Wording ingest pending._

**Canonical URL:** https://funeralinsurancecomparison.co.nz/topics/exclusions-and-suicide-period/