Chubb Life LifeOne 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.
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.
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