AIA New Zealand vs Fidelity Life

Mechanical comparison from each insurer's policy wording.

Snapshot 2026-05-20T08:21:45.034Z.

AIA New Zealand

AIA Living Business Life Cover

Wording v2023-10-10

Also from AIA New Zealand: AIA Living Personal Life Cover

Fidelity Life

LifeProtect Life Cover

Wording v2025-04-30

Premium structure

AIA New Zealand

Premiums can be converted from the premium type shown in the schedule to a Level premium structure at any time via the Premium Conversion Facility, or converted between Level premium structures. No medical evidence is required at conversion. Premiums for any Optional Business Safeguard Facility increase are calculated on rates applicable at the time the Facility is used. Each increase requires an increase in premium.

Fidelity Life

not on file

Full cross-market comparison: /topics/premium-structure-stepped-vs-level

Suicide exclusion period

AIA New Zealand

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.

Fidelity Life

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.

Full cross-market comparison: /topics/suicide-exclusion-period

We don't publish a hardcoded premium comparison table. Real premiums depend on individual underwriting at quote time (age, sex, smoker, occupation, health history, sum-insured + term). Quote with each insurer directly via their provider page.

Provider pages

Find the right policy

Use /find-my-policy to pick the scenarios that match you — we rank NZ life policies on aggregate clause-fit score.

Not personalised financial advice. Mechanical comparison from insurer-direct wordings. Quote with each insurer.