{
  "vertical": "life",
  "insurer": {
    "slug": "fidelity-life",
    "name": "Fidelity Life",
    "brand_family": "fidelity-life"
  },
  "product": {
    "slug": "lifeprotect",
    "name": "LifeProtect Life Cover",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2025-04-30",
    "ingested_at": "2026-05-17T05:36:08.362398+00:00",
    "pdf_hash": "f9f81b99e797e06066e4734684513205617cac8f30f94e28041f645a3d0fc46c",
    "source_url": "https://www.fidelitylife.co.nz/media/rhwnwmfn/life-protect-life-cover-policy-wording.pdf",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "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.",
      "The Child's Funeral Assistance Benefit will not be payable if the death directly results from a known congenital condition, or any child pre-existing condition.",
      "The Child's Funeral Assistance Benefit will not be payable if the death occurred within three months of the start date or reinstatement of their parent's Life Cover.",
      "The Repatriation Benefit will not pay direct costs which can be or have been claimed, reimbursed, or paid for, under a travel insurance policy, any other insurance policy, government aid or assistance, or any other source.",
      "The 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."
    ],
    "inbuilt_benefits": [
      "Death Benefit",
      "Bereavement Benefit",
      "Terminal Illness Benefit",
      "Terminal Illness Partial Benefit",
      "Child's Funeral Assistance Benefit",
      "Repatriation Benefit",
      "Financial Planning and Legal Advice Benefit",
      "Special Events Increase",
      "CPI Increases"
    ],
    "claim_payment_options": "Benefits are paid as a lump sum. The Bereavement Benefit provides an immediate advance payment of $15,000 (or the full sum insured if it is $15,000 or less), which reduces the Life Cover sum insured by the amount paid. The Terminal Illness Benefit is an advance payment of the full Life Cover sum insured, after which the cover ends. The Terminal Illness Partial Benefit allows early payment of the lesser of 30% of the sum insured or $250,000 for specified serious conditions, reducing the sum insured by the amount paid. The Repatriation Benefit and Financial Planning and Legal Advice Benefit are reimbursements paid in addition to the Life Cover sum insured.",
    "suicide_exclusion_period": "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.",
    "future_insurability_options": "You can increase the sum insured once in any 12-month period before the insured person's 55th birthday without providing additional health information if a qualifying event occurs. Events include: marriage or civil union or divorce/separation; pregnancy at 28 weeks gestation or birth of a child; adoption of a child; dependent child starting secondary school; financially supporting a dependent child through a first course of full-time tertiary education; reaching ages 25, 30, 35, 40 or 45; death or terminal illness of a spouse, de facto partner, child or civil union partner; permanently stopping work to provide full-time physical care for a dependent relative for the first time; taking out or increasing a mortgage on own home, investment property, vacation home, or residential block of land; co-signing on a new mortgage for a child; salary increase of at least $5,000 or at least 10% of salary. Maximum increase per event is the lesser of $250,000 or 50% of sum insured at start date (25% / five times salary increase for salary event). Maximum total increase for all events is the lesser of $1,000,000 or the sum insured at start date. Total cover after increase cannot exceed $10,000,000 across all life type covers with any insurer."
  },
  "endpoints": {
    "summary": "/api/product/fidelity-life/lifeprotect/summary.md",
    "wording": "/api/product/fidelity-life/lifeprotect/wording.md",
    "history": "/api/product/fidelity-life/lifeprotect/history.json"
  },
  "canonical_url": "https://lifeinsurer.co.nz/api/product/fidelity-life/lifeprotect/facts.json",
  "generated_at": "2026-05-20T08:21:46.187Z",
  "license": "CC BY 4.0 — attribute https://lifeinsurer.co.nz"
}