{
  "vertical": "life",
  "insurer": {
    "slug": "partners-life",
    "name": "Partners Life",
    "brand_family": "partners-life"
  },
  "product": {
    "slug": "youchoose-life",
    "name": "YouChoose Life Cover",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2025-10-08",
    "ingested_at": "2026-05-20T04:29:24.274642+00:00",
    "pdf_hash": "eb8ee5406e508ce0ef6b62fca017b6879d6fc081c32edcfd3c93cced9c9d7aa7",
    "source_url": "https://assets.ctfassets.net/w9dpej1et86g/1hVGlncuv1m8J6Po7GddeY/62615dca5c8cbde4b2b7db201693d78f/PLJP_OVERVIEW_LIFE_COVER_V01_1025.pdf",
    "page_count": null
  },
  "confidence_tier": "brochure",
  "facts": {
    "_meta": {
      "source_doc": "PLJP_OVERVIEW_LIFE_COVER_V01_1025",
      "source_tier": "B",
      "source_doc_url": "https://assets.ctfassets.net/w9dpej1et86g/1hVGlncuv1m8J6Po7GddeY/62615dca5c8cbde4b2b7db201693d78f/PLJP_OVERVIEW_LIFE_COVER_V01_1025.pdf",
      "source_doc_date": "2025-10-08"
    },
    "cover_types": [
      "Life Cover"
    ],
    "funeral_benefit": "Provides advance payment of some or all of your sum insured to help with expenses until the proceeds of a life policy can be legally released. Pays the lesser of $25,000 or your sum insured, immediately on notification of death.",
    "sum_insured_min": 1000,
    "inbuilt_benefits": [
      "Life Cover Benefit",
      "Terminal Illness Benefit",
      "Non-Survivable Accident Benefit",
      "Terminal Illness Advance Benefit",
      "Bereavement Support Benefit",
      "Repatriation Benefit",
      "Dependent Child Funeral Support Benefit",
      "Financial and Legal Advice Benefit",
      "Return to Home Benefit",
      "Counselling Benefit",
      "Special Events Increase Benefits",
      "Guaranteed Wordings",
      "Guaranteed Upgrade of Future Benefits"
    ],
    "optional_benefits": [
      "Future Insurability Option"
    ],
    "conversion_benefits": "You can convert part of your Life Cover to Severe Trauma Cover Accelerated following a special event. You can convert: 50% of the Life Cover sum insured or $100,000 or the remaining balance of Special Events Increase Benefit, whichever is less. Note: You can only use this conversion once.",
    "guaranteed_wordings": "No matter what changes we make to our policies in the future, we guarantee you'll hold onto your original benefits for as long as you have your policy.",
    "discount_multi_cover": "Save up to 15% on eligible premiums. You can receive up to 15% discount on eligible premiums when you take out multiple covers (subject to meeting qualifying criteria).",
    "child_funeral_benefit": "Pays a set amount immediately on notification of death of a dependent child under the age of 21. Pays $2,000 before age 10, $15,000 from age 10 to 21. Excludes pre-existing conditions.",
    "claim_payment_options": "Pays a lump sum that can be used to help reduce debt, pay for final expenses, provide an inheritance – how the money is spent is up to you.",
    "grief_support_benefit": "Reimburses counselling services once a claim has been paid. Pays actual costs up to $2,500, in addition to the sum insured.",
    "return_to_home_benefit": "Reimburses actual transport costs for you and a support person if you have been working or living overseas for more than three consecutive months when you are diagnosed with a terminal illness or one of the Covered Conditions under your Terminal Illness Advance Benefit, and wish to return home. Pays up to $10,000, in addition to your sum insured.",
    "support_person_benefit": "Reimburses the cost of returning your remains to New Zealand or your home country if you die while travelling, working, or living overseas. Pays up to 25% of your sum insured to a maximum of $20,000, in addition to your sum insured.",
    "financial_advice_benefit": "Reimburses actual financial and legal costs to help manage the proceeds of a claim. Pays up to $3,000, in addition to your sum insured.",
    "terminal_illness_benefit": "Pays a lump sum if you're diagnosed as likely to pass away within the next 12 months.",
    "future_insurability_options": "You can choose to increase your Life Cover sum insured and/or convert part of your Life Cover to Severe Trauma Cover Accelerated without further health assessment for special events. Special events include: Marriage or civil union, Divorce or legal separation, Full-time care of a dependent, Increasing a residential mortgage, Purchasing a residential property, residential investment property, vacation home or bare residential land, Co-signing a mortgage for a child, where the residential mortgage is for that child's primary residence, Child starting full-time tertiary study, Birth or adoption, Salary increase, Increase in business profits, Death or terminal illness of a spouse, de facto partner or civil union partner, Every fifth policy anniversary.",
    "special_events_increase_benefit": "Marriage or civil union, Divorce or legal separation, Full-time care of a dependent, Increasing a residential mortgage, Purchasing a residential property, residential investment property, vacation home or bare residential land, Co-signing a mortgage for a child, where the residential mortgage is for that child's primary residence, Child starting full-time tertiary study, Birth or adoption, Salary increase, Increase in business profits, Death or terminal illness of a spouse, de facto partner or civil union partner, Every fifth policy anniversary."
  },
  "endpoints": {
    "summary": "/api/product/partners-life/youchoose-life/summary.md",
    "wording": "/api/product/partners-life/youchoose-life/wording.md",
    "history": "/api/product/partners-life/youchoose-life/history.json"
  },
  "canonical_url": "https://lifeinsurer.co.nz/api/product/partners-life/youchoose-life/facts.json",
  "generated_at": "2026-05-20T08:21:46.228Z",
  "license": "CC BY 4.0 — attribute https://lifeinsurer.co.nz"
}