{
  "vertical": "life",
  "insurer": {
    "slug": "asteron-life",
    "name": "Asteron Life",
    "brand_family": "asteron-life"
  },
  "product": {
    "slug": "complete-life",
    "name": "Asteron Life Complete – Life Cover",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2024-10-14",
    "ingested_at": "2026-05-20T04:29:36.208178+00:00",
    "pdf_hash": "881f9d31b63ec6799b05f9ee72f6ff97f120dfeca443049bb9cfbeca28fec811",
    "source_url": "https://www.asteronlife.co.nz/sites/default/files/documents/life-brochure.pdf",
    "page_count": null
  },
  "confidence_tier": "brochure",
  "facts": {
    "_meta": {
      "source_doc": "Asteron-Life-Cover-Brochure-2024-10",
      "source_tier": "B",
      "source_doc_url": "https://www.asteronlife.co.nz/sites/default/files/documents/life-brochure.pdf",
      "source_doc_date": "2024-10-14"
    },
    "funeral_benefit": "We will make an advance payment of $15,000 or $25,000 from your Life Cover when a life insurance claim is accepted. This pays for immediate expenses such as a funeral.",
    "inbuilt_benefits": [
      "Death benefit",
      "Terminal illness benefit",
      "Financial planning and legal advice benefit",
      "Grief support benefit",
      "Funeral advancement benefit",
      "Funeral conversion benefit",
      "Repatriation benefit",
      "Terminal specific condition advancement",
      "Special events increase benefit",
      "Special events conversion benefit",
      "Inflation adjustment benefit"
    ],
    "optional_benefits": [
      "Needlestick benefit",
      "Terminal illness support",
      "Specific injury support – lump sum benefit",
      "'We pay your premiums' benefit",
      "Free Kids Cover – $50,000 per child"
    ],
    "conversion_benefits": "You can choose to convert up to $30,000 of your Life Cover to a level premium Funeral benefit. You can use this option at any time if you've had your Life Cover for more than 10 years and you're 65 years or older. You can also take out Trauma Recovery Cover or Modified Total and Permanent Disability Cover whenever a special event occurs in your life, such as taking out a mortgage or getting a pay rise. You can do this at a later date, without any medical underwriting.",
    "claim_payment_options": "We normally make the payment to your nominated bank account within two days after we receive the claim.",
    "grief_support_benefit": "We will pay up to $2,500 for your family to receive grief counselling from a professional counsellor.",
    "return_to_home_benefit": "We will reimburse up to $15,000 or $25,000 of the direct costs of bringing the insured person's remains back to New Zealand or their home country if they pass away overseas.",
    "financial_advice_benefit": "We will pay up to $2,500 for your family to receive professional advice from an approved financial planner.",
    "terminal_illness_benefit": "You can apply to receive your Life Cover payment straight away if you're given less than 12 months to live. We normally pay this within seven days after you place a claim with us.",
    "special_events_increase_benefit": "You can increase your existing life cover whenever a special event occurs in your life, such as taking out a mortgage or getting a pay rise. You can do this at a later date, without any medical underwriting."
  },
  "endpoints": {
    "summary": "/api/product/asteron-life/complete-life/summary.md",
    "wording": "/api/product/asteron-life/complete-life/wording.md",
    "history": "/api/product/asteron-life/complete-life/history.json"
  },
  "canonical_url": "https://lifeinsurer.co.nz/api/product/asteron-life/complete-life/facts.json",
  "generated_at": "2026-05-20T08:21:46.189Z",
  "license": "CC BY 4.0 — attribute https://lifeinsurer.co.nz"
}