Terminal illness benefit
Fidelity Life
not on file
Partners Life
Pays a lump sum if you're diagnosed as likely to pass away within the next 12 months.
Full cross-market comparison: /topics/terminal-illness-benefit
Fidelity Life vs Partners Life
Mechanical comparison from each insurer's policy wording.
Snapshot 2026-05-20T08:21:45.034Z.
Fidelity Life
LifeProtect Life Cover
Wording v2025-04-30
Partners Life
YouChoose Life CoverBrochure
Wording v2025-10-08
Funeral advance
Fidelity Life
not on file
Partners Life
Provides advance payment of some or all of your sum insured to help with expenses until the proceeds of a life policy can be legally released. Pays the lesser of $25,000 or your sum insured, immediately on notification of death.
Full cross-market comparison: /topics/funeral-advance-benefit
Suicide exclusion period
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.
Partners Life
not on file
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.