AA Life Funeral Cover vs Fidelity Life Funeral Cover (LifeProtect rider): 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.
Fidelity Life Funeral Cover — Fidelity Life Funeral Cover (LifeProtect rider)
Wording version 2025-04-30
exclusions: • We will cancel the cover, or the increased portion of cover, and retain any premiums paid if the insured person, whether sane or insane, dies by their own hand within 13 months of: the start date or the date of reinstatement, or the date of any increases in the sum insured, excluding increases due to CPI Increases. • Child's Funeral Assistance Benefit: death doesn't directly result from a known congenital condition, or any child pre-existing condition • Child's Funeral Assistance Benefit: death hasn't occurred within three months of the start date or reinstatement of their parent's Life Cover • Repatriation Benefit will not pay direct costs which can be or have been claimed, reimbursed, or paid for, under any of the following: a travel insurance policy, any other insurance policy, government aid or assistance, any other source. • Repatriation Benefit does not cover: the insured person's funeral, cremation, or the transportation of their ashes, or burial; the transportation or accommodation cost for a person to accompany the coffin or casket for repatriation; the transportation of the coffin or casket following its arrival in New Zealand or their home country; any other cost which is not a direct cost.
Source: https://www.fidelitylife.co.nz/media/rhwnwmfn/life-protect-life-cover-policy-wording.pdf