# Waiting periods

> Stand-down periods before specific benefits become claimable. Most life-cover waiting periods are short (or zero) for accidental death but longer for terminal-illness advance + child trauma riders. This page documents each insurer's waiting periods verbatim.

**Vertical:** life · **Topic:** waiting-periods · **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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## Chubb Life NZ — LifeOne

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

> critical_illness_non_accidental: 90

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

**Canonical URL:** https://lifeinsurer.co.nz/topics/waiting-periods