AIA Living 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.
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.
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