# Suicide exclusion period

> Almost every NZ life insurance policy excludes death by suicide for the first 13 months (sometimes 12) of cover. After this period, suicide is generally covered. This page documents each insurer's exclusion period verbatim.

**Vertical:** life · **Topic:** suicide-exclusion-period · **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

> 13 months from the risk commencement date or, if cover under this appendix has been reinstated, the date of reinstatement. This exclusion applies to any subsequent benefit increase.

**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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## AIA New Zealand — AIA Living Personal Life Cover

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

> 13 months of the risk commencement date or, if cover under this appendix has been reinstated, the date of reinstatement. This exclusion applies to any subsequent benefit increase you make.

**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

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## Chubb Life NZ — LifeOne

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

> If the life insured's death or terminal illness is caused or contributed to, directly or indirectly, by suicide, attempted suicide or intentional self-injury within 13 months of the cover start date or from the date the policy was reinstated after being cancelled. This applies whether the life insured is sane or insane. If the Life Cover Amount is increased within 13 months before the life insured's death by suicide, attempted suicide or intentional self-injury, we'll only pay the Life Cover Amount that applied immediately before the increase.

**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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## Fidelity Life — LifeProtect Life Cover

**Wording version:** 2025-04-30 · **Confidence:** inferred

> We will cancel the cover, or the increased portion of cover, and retain any premiums paid if the insured person, whether sane or insane, dies by their own hand within 13 months of: the start date or the date of reinstatement, or the date of any increases in the sum insured, excluding increases due to 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

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

**Canonical URL:** https://lifeinsurer.co.nz/topics/suicide-exclusion-period