{
  "vertical": "life",
  "topic": {
    "slug": "entry-age-and-cover-tiers",
    "title": "Entry age + cover tiers",
    "short_title": "Entry age + cover tiers",
    "description": "Maximum entry age varies sharply across NZ life insurers (commonly 65-75). Some products are bundled multi-cover (life + trauma + TPD); some are standalone. This page documents each insurer's entry-age cap + cover-tier structure.",
    "fact_keys": [
      "entry_age_max",
      "cover_types"
    ],
    "keywords": [
      "entry age life insurance",
      "cover tiers",
      "multi-cover",
      "NZ life insurance"
    ]
  },
  "snapshot": {
    "generated_at": "2026-05-20T08:21:45.034Z",
    "counts": {
      "insurers": 5,
      "products_total": 8,
      "products_active": 7
    },
    "wording_date_range": {
      "oldest_ingested_at": "2026-05-17",
      "newest_ingested_at": "2026-05-20"
    }
  },
  "products": [
    {
      "insurer": {
        "slug": "aia",
        "name": "AIA New Zealand"
      },
      "product": {
        "slug": "living-business-life",
        "name": "AIA Living Business Life Cover"
      },
      "wording_version": "2023-10-10",
      "source_url": "https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/aia-living/business/aia-living-business-life-cover-policy-wording.pdf",
      "confidence_tier": "verified",
      "primary_value": [
        "Life Cover Benefit"
      ],
      "values_by_key": {
        "entry_age_max": null,
        "cover_types": [
          "Life Cover Benefit"
        ]
      },
      "endpoints": {
        "product_facts": "https://lifeinsurer.co.nz/api/product/aia/living-business-life/facts.json",
        "product_summary": "https://lifeinsurer.co.nz/api/product/aia/living-business-life/summary.md",
        "product_wording": "https://lifeinsurer.co.nz/api/product/aia/living-business-life/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "aia",
        "name": "AIA New Zealand"
      },
      "product": {
        "slug": "living-personal-life",
        "name": "AIA Living Personal Life Cover"
      },
      "wording_version": "2026-05-17",
      "source_url": "https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/personal/aia-living-personal-life-cover-policy-wording.pdf",
      "confidence_tier": "inferred",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "cover_types": null
      },
      "endpoints": {
        "product_facts": "https://lifeinsurer.co.nz/api/product/aia/living-personal-life/facts.json",
        "product_summary": "https://lifeinsurer.co.nz/api/product/aia/living-personal-life/summary.md",
        "product_wording": "https://lifeinsurer.co.nz/api/product/aia/living-personal-life/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "asteron-life",
        "name": "Asteron Life"
      },
      "product": {
        "slug": "complete-life",
        "name": "Asteron Life Complete – Life Cover"
      },
      "wording_version": "2024-10-14",
      "source_url": "https://www.asteronlife.co.nz/sites/default/files/documents/life-brochure.pdf",
      "confidence_tier": "brochure",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "cover_types": null
      },
      "endpoints": {
        "product_facts": "https://lifeinsurer.co.nz/api/product/asteron-life/complete-life/facts.json",
        "product_summary": "https://lifeinsurer.co.nz/api/product/asteron-life/complete-life/summary.md",
        "product_wording": "https://lifeinsurer.co.nz/api/product/asteron-life/complete-life/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "chubb-life",
        "name": "Chubb Life NZ"
      },
      "product": {
        "slug": "life-and-living",
        "name": "Life & Living Insurance"
      },
      "wording_version": "2026-05-17",
      "source_url": "https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/chubb-life-and-living-insurance-policy-document-1.pdf",
      "confidence_tier": "verified",
      "primary_value": [
        "Life & Living Insurance"
      ],
      "values_by_key": {
        "entry_age_max": null,
        "cover_types": [
          "Life & Living Insurance"
        ]
      },
      "endpoints": {
        "product_facts": "https://lifeinsurer.co.nz/api/product/chubb-life/life-and-living/facts.json",
        "product_summary": "https://lifeinsurer.co.nz/api/product/chubb-life/life-and-living/summary.md",
        "product_wording": "https://lifeinsurer.co.nz/api/product/chubb-life/life-and-living/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "chubb-life",
        "name": "Chubb Life NZ"
      },
      "product": {
        "slug": "life-one",
        "name": "LifeOne"
      },
      "wording_version": "2026-05-17",
      "source_url": "https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/cig0276-life-one-policy-wording-v1.pdf",
      "confidence_tier": "verified",
      "primary_value": 54,
      "values_by_key": {
        "entry_age_max": 54,
        "cover_types": [
          "Yearly Renewable Term"
        ]
      },
      "endpoints": {
        "product_facts": "https://lifeinsurer.co.nz/api/product/chubb-life/life-one/facts.json",
        "product_summary": "https://lifeinsurer.co.nz/api/product/chubb-life/life-one/summary.md",
        "product_wording": "https://lifeinsurer.co.nz/api/product/chubb-life/life-one/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "fidelity-life",
        "name": "Fidelity Life"
      },
      "product": {
        "slug": "lifeprotect",
        "name": "LifeProtect Life Cover"
      },
      "wording_version": "2025-04-30",
      "source_url": "https://www.fidelitylife.co.nz/media/rhwnwmfn/life-protect-life-cover-policy-wording.pdf",
      "confidence_tier": "inferred",
      "primary_value": null,
      "values_by_key": {
        "entry_age_max": null,
        "cover_types": null
      },
      "endpoints": {
        "product_facts": "https://lifeinsurer.co.nz/api/product/fidelity-life/lifeprotect/facts.json",
        "product_summary": "https://lifeinsurer.co.nz/api/product/fidelity-life/lifeprotect/summary.md",
        "product_wording": "https://lifeinsurer.co.nz/api/product/fidelity-life/lifeprotect/wording.md"
      }
    },
    {
      "insurer": {
        "slug": "partners-life",
        "name": "Partners Life"
      },
      "product": {
        "slug": "youchoose-life",
        "name": "YouChoose Life Cover"
      },
      "wording_version": "2025-10-08",
      "source_url": "https://assets.ctfassets.net/w9dpej1et86g/1hVGlncuv1m8J6Po7GddeY/62615dca5c8cbde4b2b7db201693d78f/PLJP_OVERVIEW_LIFE_COVER_V01_1025.pdf",
      "confidence_tier": "brochure",
      "primary_value": [
        "Life Cover"
      ],
      "values_by_key": {
        "entry_age_max": null,
        "cover_types": [
          "Life Cover"
        ]
      },
      "endpoints": {
        "product_facts": "https://lifeinsurer.co.nz/api/product/partners-life/youchoose-life/facts.json",
        "product_summary": "https://lifeinsurer.co.nz/api/product/partners-life/youchoose-life/summary.md",
        "product_wording": "https://lifeinsurer.co.nz/api/product/partners-life/youchoose-life/wording.md"
      }
    }
  ],
  "canonical_url": "https://lifeinsurer.co.nz/topics/entry-age-and-cover-tiers",
  "license": "CC BY 4.0 — attribute https://lifeinsurer.co.nz"
}