Fidelity Life Funeral Cover (LifeProtect rider) vs NZ Seniors Funeral Insurance: Waiting period
Almost every NZ funeral insurance policy applies a non-accidental-death waiting period (commonly 12 or 24 months) before the full sum-insured pays. Death from accident is typically covered from day one. This is the single most important clause for buyers signing up while in poor health.
Fidelity Life Funeral Cover — Fidelity Life Funeral Cover (LifeProtect rider)
Wording version 2025-04-30
Not on file for this product.
Source: https://www.fidelitylife.co.nz/media/rhwnwmfn/life-protect-life-cover-policy-wording.pdf
NZ Seniors Funeral Insurance — NZ Seniors Funeral Insurance
Wording version 2026-05-18
waiting period months: 12 accidental death cover from day one: Yes
Source: https://www.nzseniors.co.nz/documents/seniors-funeral-insurance-policy-document.pdf