# Entry age + cover tiers

> 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.

**Vertical:** life · **Topic:** entry-age-and-cover-tiers · **Snapshot:** 2026-05-20T08:21:45.034Z

**Source:** Each product's policy wording PDF (linked per row). License: CC BY 4.0 — attribute https://lifeinsurer.co.nz.

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## AIA New Zealand — AIA Living Business Life Cover

**Wording version:** 2023-10-10 · **Confidence:** verified

> Life Cover Benefit

**Endpoints:**
- Structured facts: https://lifeinsurer.co.nz/api/product/aia/living-business-life/facts.json
- Full wording: https://lifeinsurer.co.nz/api/product/aia/living-business-life/wording.md
- Source PDF: 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

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## Chubb Life NZ — Life & Living Insurance

**Wording version:** 2026-05-17 · **Confidence:** verified

> Life & Living Insurance

**Endpoints:**
- Structured facts: https://lifeinsurer.co.nz/api/product/chubb-life/life-and-living/facts.json
- Full wording: https://lifeinsurer.co.nz/api/product/chubb-life/life-and-living/wording.md
- Source PDF: https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/chubb-life-and-living-insurance-policy-document-1.pdf

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## Chubb Life NZ — LifeOne

**Wording version:** 2026-05-17 · **Confidence:** verified

> 54

**Endpoints:**
- Structured facts: https://lifeinsurer.co.nz/api/product/chubb-life/life-one/facts.json
- Full wording: https://lifeinsurer.co.nz/api/product/chubb-life/life-one/wording.md
- Source PDF: https://www.chubb.com/content/dam/chubb-sites/chubb/nz-en/life/documents/cig0276-life-one-policy-wording-v1.pdf

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## Partners Life — YouChoose Life Cover

**Wording version:** 2025-10-08 · **Confidence:** brochure

> Life Cover

**Endpoints:**
- Structured facts: https://lifeinsurer.co.nz/api/product/partners-life/youchoose-life/facts.json
- Full wording: https://lifeinsurer.co.nz/api/product/partners-life/youchoose-life/wording.md
- Source PDF: https://assets.ctfassets.net/w9dpej1et86g/1hVGlncuv1m8J6Po7GddeY/62615dca5c8cbde4b2b7db201693d78f/PLJP_OVERVIEW_LIFE_COVER_V01_1025.pdf

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**4** of 7 indexed products have on-file cover language for this topic.

**Canonical URL:** https://lifeinsurer.co.nz/topics/entry-age-and-cover-tiers