# Life & Living Insurance — Chubb Life NZ

**Insurer:** Chubb Life NZ (`chubb-life`)
**Product slug:** `life-and-living`
**Status:** active
**Vertical:** life
**Extraction confidence:** verified

**Wording effective:** 2026-05-17
**Source PDF:** https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/chubb-life-and-living-insurance-policy-document-1.pdf
**PDF hash (sha-256, first 16):** `c25f471232753b2c…`

## Cover types offered

- Life & Living Insurance

## Maximum sum insured

_Not on file._

## Entry-age limits

**Minimum:** _Not on file._ | **Maximum:** _Not on file._

## Premium structure

Protection premiums are reviewed periodically based on the premium review period shown in the policy schedule; premiums change as the life assured gets older, when cover changes, when sum insured changes due to inflation (CPI-linked), when protection premium rates change, or when discounts change. Each cover may have a different premium review period. Protection premium rates for some covers are guaranteed until the end of the premium review period; for non-guaranteed covers, rates can change on the next anniversary date. Policy fee may also change from the next anniversary date.

## Guaranteed acceptance / no-medical-exam rules

_Not on file._

## Suicide exclusion period

_Not on file._

## Future-insurability options

Life Events Benefit and Optional Guaranteed Insurability are referenced (underwritten sum insured definition excludes increases due to these benefits), but full terms are not included in this truncated text.

## Inbuilt benefits

- Policy Enhancement Benefit
- Suspension of Cover

## Optional benefits / riders

_Not on file._

## Major exclusions

- This policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.
- A policy enhancement won't apply if you're claiming for an illness, injury or condition that showed signs or symptoms, or was diagnosed before the enhancement came into effect.
- You can't make any claim while we're suspending your policy. We also won't cover you or any life assured for any illness, injury or condition that showed signs or symptoms, or was diagnosed, while we've suspended your policy.

## Waiting periods

_Not on file._

## Claim payment options

We'll pay claims to you in New Zealand dollars to the bank account you chose. We may agree to pay claims to someone else if you ask us in writing. If you have overdue premiums and you make a claim, we'll take the overdue amount from our claim payment to you. Some covers may involve ongoing monthly claim payments. Accelerated cover payments may reduce the remaining sum insured of Life Cover or other accelerated covers by the amount paid.

## Machine-readable endpoints

- Structured facts: `/api/product/chubb-life/life-and-living/facts.json`
- Full markdown wording: `/api/product/chubb-life/life-and-living/wording.md`
- Version history: `/api/product/chubb-life/life-and-living/history.json`
- Insurer profile: `/api/insurer/chubb-life/summary.md`

## Citation

Cite as: Chubb Life NZ Life & Living Insurance policy facts (wording effective 2026-05-17), LifeInsurer NZ, accessed 2026-05-20.
Canonical URL: https://lifeinsurer.co.nz/api/product/chubb-life/life-and-living/summary.md
Primary source: https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/chubb-life-and-living-insurance-policy-document-1.pdf
License: CC BY 4.0 — attribute https://lifeinsurer.co.nz