# YouChoose Life Cover — Partners Life

**Insurer:** Partners Life (`partners-life`)
**Product slug:** `youchoose-life`
**Status:** active
**Vertical:** life
**Extraction confidence:** brochure

**Wording effective:** 2025-10-08
**Source PDF:** https://assets.ctfassets.net/w9dpej1et86g/1hVGlncuv1m8J6Po7GddeY/62615dca5c8cbde4b2b7db201693d78f/PLJP_OVERVIEW_LIFE_COVER_V01_1025.pdf
**PDF hash (sha-256, first 16):** `eb8ee5406e508ce0…`

## Cover types offered

- Life Cover

## Maximum sum insured

_Not on file._

## Entry-age limits

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

## Premium structure

_Not on file._

## Guaranteed acceptance / no-medical-exam rules

_Not on file._

## Suicide exclusion period

_Not on file._

## 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.

## 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 / riders

- Future Insurability Option

## Major exclusions

_Not on file._

## Waiting periods

_Not on file._

## 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.

## Machine-readable endpoints

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

## Citation

Cite as: Partners Life YouChoose Life Cover policy facts (wording effective 2025-10-08), LifeInsurer NZ, accessed 2026-05-20.
Canonical URL: https://lifeinsurer.co.nz/api/product/partners-life/youchoose-life/summary.md
Primary source: https://assets.ctfassets.net/w9dpej1et86g/1hVGlncuv1m8J6Po7GddeY/62615dca5c8cbde4b2b7db201693d78f/PLJP_OVERVIEW_LIFE_COVER_V01_1025.pdf
License: CC BY 4.0 — attribute https://lifeinsurer.co.nz