AA Life Funeral Cover vs NZ Seniors Funeral Insurance: 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.
NZ Seniors Funeral Insurance — NZ Seniors Funeral Insurance
Wording version 2026-05-18
exclusions: • During the first 12 months after the Acceptance Date, a Funeral Insurance Benefit Amount (and the Accidental Death Benefit) will only be paid if the Life Insured suffers Accidental Death. This means that no benefit is payable if a Life Insured dies as a result of any other cause during this period. • We will not pay a Funeral Insurance Benefit Amount if a Life Insured is diagnosed with a Terminal Illness within 12 months of the Acceptance Date of the Policy, or within 12 months of the date on which this Policy is reinstated. • an intentional self-inflicted bodily injury, suicide, or attempted suicide • engaging in any criminal activities or illegal acts • the consumption of drugs (unless it was under the direction of a Medical Practitioner and not in connection with treatment for substance abuse, drug addiction or dependence) • the consumption of intoxicating liquor or other beverages, including having a blood alcohol content over the prescribed legal limit whilst driving • engaging in any professional sport (meaning the Life Insured's livelihood is substantially dependent on income received as a result of playing sport) • engaging in any motor sports (land or water) as a rider, driver and/or passenger • being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft • war (whether declared or not) or war-like activity, or taking part in a riot or civil commotion • Accidental Serious Injury Benefit cover ends on the Policy Anniversary following the Life Insured's 75th birthday
Source: https://www.nzseniors.co.nz/documents/seniors-funeral-insurance-policy-document.pdf