# Inbuilt + optional benefits > What comes standard with each NZ life policy (inbuilt benefits) vs. what costs extra (optional benefits / riders). Inbuilt benefits commonly include terminal-illness advance, funeral-cost advance, grief-counselling, child cover. Optional benefits typically include trauma + TPD + income protection riders. **Vertical:** life · **Topic:** inbuilt-and-optional-benefits · **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. --- ## AIA New Zealand — AIA Living Business Life Cover **Wording version:** 2023-10-10 · **Confidence:** verified > Terminal Illness Benefit — up to 100% of Life Cover Benefit if life assured is expected to live no more than 12 months; treated as early payment of Life Cover Benefit; Specified Terminal Conditions Benefit — lower of 30% of Life Cover Benefit or $250,000 for unequivocal diagnosis of Motor Neurone Disease, Exocrine Pancreatic Cancer (Stages 3 or 4), Non-Small Cell Lung Cancer (Stage 4), or Distal Oesophageal Cancer (Stage 4); treated as early partial payment of Life Cover Benefit; Financial and Legal Advice Benefit — reimbursement of up to $2,500 including GST for financial planning or legal advice following a claim; payable once per life assured across all AIA policies; in addition to sum assured; Counselling Benefit — reimbursement of up to $2,500 including GST per life assured for Psychiatrist or Psychologist consultation and/or counselling for the life assured and/or a close relative following a claim; payable once per life assured per policy; in addition to sum assured; Repatriation Benefit — reimbursement of costs to return life assured's body to New Zealand or home country; maximum is the lower of the Life Cover Benefit, $15,000 if life assured is sole policy owner, or $20,000 if there is a surviving policy owner; treated as early payment of 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 --- ## AIA New Zealand — AIA Living Personal Life Cover **Wording version:** 2026-05-17 · **Confidence:** inferred > Terminal Illness Benefit; Specified Terminal Conditions Benefit; Bereavement Support Benefit; Parents Grieving Benefit; Special Events Increase Facility; Special Events Total Permanent Disablement (TPD)/Trauma Facility; Financial and Legal Advice Benefit; Repatriation Benefit; Counselling Benefit; Premium Conversion Facility; Suspension of Cover Benefit **Endpoints:** - Structured facts: https://lifeinsurer.co.nz/api/product/aia/living-personal-life/facts.json - Full wording: https://lifeinsurer.co.nz/api/product/aia/living-personal-life/wording.md - Source PDF: https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/personal/aia-living-personal-life-cover-policy-wording.pdf --- ## Asteron Life — Asteron Life Complete – Life Cover **Wording version:** 2024-10-14 · **Confidence:** brochure > Death benefit; Terminal illness benefit; Financial planning and legal advice benefit; Grief support benefit; Funeral advancement benefit; Funeral conversion benefit; Repatriation benefit; Terminal specific condition advancement; Special events increase benefit; Special events conversion benefit; Inflation adjustment benefit **Endpoints:** - Structured facts: https://lifeinsurer.co.nz/api/product/asteron-life/complete-life/facts.json - Full wording: https://lifeinsurer.co.nz/api/product/asteron-life/complete-life/wording.md - Source PDF: https://www.asteronlife.co.nz/sites/default/files/documents/life-brochure.pdf --- ## Chubb Life NZ — Life & Living Insurance **Wording version:** 2026-05-17 · **Confidence:** verified > Policy Enhancement Benefit; Suspension of Cover **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 --- ## Chubb Life NZ — LifeOne **Wording version:** 2026-05-17 · **Confidence:** verified > Life Benefit; Advanced Funeral Benefit; Terminal Illness Benefit; Special Events Increase Benefit **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 --- ## Fidelity Life — LifeProtect Life Cover **Wording version:** 2025-04-30 · **Confidence:** inferred > 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 **Endpoints:** - Structured facts: https://lifeinsurer.co.nz/api/product/fidelity-life/lifeprotect/facts.json - Full wording: https://lifeinsurer.co.nz/api/product/fidelity-life/lifeprotect/wording.md - Source PDF: https://www.fidelitylife.co.nz/media/rhwnwmfn/life-protect-life-cover-policy-wording.pdf --- ## Partners Life — YouChoose Life Cover **Wording version:** 2025-10-08 · **Confidence:** brochure > 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 **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 --- **7** of 7 indexed products have on-file cover language for this topic. **Canonical URL:** https://lifeinsurer.co.nz/topics/inbuilt-and-optional-benefits