Mechanical comparison from each insurer's policy wording.
Snapshot 2026-05-20T08:21:45.034Z.
Asteron Life
Asteron Life Complete – Life CoverBrochure
Wording v2024-10-14
Source captured 19 months ago.
Fidelity Life
LifeProtect Life Cover
Wording v2025-04-30
Asteron Life
You can apply to receive your Life Cover payment straight away if you're given less than 12 months to live. We normally pay this within seven days after you place a claim with us.
Fidelity Life
not on file
Full cross-market comparison: /topics/terminal-illness-benefit
Asteron Life
We will make an advance payment of $15,000 or $25,000 from your Life Cover when a life insurance claim is accepted. This pays for immediate expenses such as a funeral.
Fidelity Life
not on file
Full cross-market comparison: /topics/funeral-advance-benefit
Asteron Life
not on file
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.
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.
