AA Life Funeral Cover vs Chubb Life LifeOne 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.
Chubb Life Funeral Cover — Chubb Life LifeOne Funeral Cover
Wording version 2026-05-21
exclusions: • If the life assured dies within 24 months of the cover start date from any cause other than an accidental injury, the sum insured is not paid — only premiums paid for the relevant cover are refunded. • Cover does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Chubb Life from providing insurance, including paying claims. • Cover may be cancelled or claim declined if the life assured was not a permanent resident of New Zealand when their cover started. • If false or incorrect information was provided, or information asked for was not given, Chubb Life may decline the claim, reduce or cancel cover, cancel the policy from inception, or keep all or some of premiums.