AA Life Funeral Cover vs AIA Living Funeral Cover: 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.
AA Life Funeral Insurance — AA Life Funeral Cover
Wording version 2026-05-21
exclusions: • Within the first two years of continuous cover: any illness, disease, naturally occurring condition, degenerative process, or symptom of any of these that the person insured has, or has had. • Within the first two years of continuous cover: suicide or a deliberate act by the person insured causing injury to themselves, whether they are sane or insane, unless that injury is indirect and unintended. • No exclusions apply two years after the later of the date your cover starts or restarts.
AIA Funeral Cover — AIA Living Funeral Cover
Wording version 2026-05-21
exclusions: • AIA will not pay any benefit under this appendix where the life assured dies or becomes terminally ill as a direct or indirect result of an intentional self-inflicted act (whether sane or insane) within 13 months of the risk commencement date or, if cover under this appendix has been reinstated, the date of reinstatement. This exclusion applies to any subsequent benefit increase you make. • AIA will not pay a Parents Grieving Benefit if death directly or indirectly arises from an injury caused by you, or the child's parents or guardian(s). • AIA will not pay the increased benefit amount if: Before the increase, the life assured qualified for payment of the Terminal Illness Benefit or the Specified Terminal Conditions Benefit; or Within six months following the increase, the life assured dies, except where accidental death under this benefit occurs; or qualifies for payment of the Terminal Illness Benefit or the Specified Terminal Conditions Benefit. • After the Special Events TPD/Trauma Facility has been exercised, AIA will not pay a benefit under the added benefit, if, at any time before the Facility was exercised, or within six months of the Facility being exercised, the life assured suffers any claim event for anything other than an accident under the benefit, or has any symptoms or signs leading to a claim event (whether or not a registered medical practitioner has been consulted) that may result in a claim for anything other than an accident under the benefit. • No claim under this benefit appendix will be payable for any claim event that occurs during the period that the cover is suspended.