Per-condition clause matrix
Verbatim clauses from every indexed NZ life insurer for the high-stakes events that decide whether a claim pays.
Terminal illness advance
If the insured is diagnosed with a terminal illness, most NZ life policies advance the death-benefit payment — typically with a 12-month survival prognosis trigger. Specific definitions + cap amounts …
See the clause matrix →Suicide exclusion
Standard NZ life insurance exclusion: no cover for death by suicide within the first 12 or 13 months of cover. After that period, generally covered.
See the clause matrix →Accidental death
Death from external violent event. Some NZ life policies include an accidental-death rider that pays an additional benefit on top of the standard life cover.
See the clause matrix →Non-disclosure
Material non-disclosure at application time gives the insurer remedies — from claim-loading to policy avoidance. NZ insurers apply this differently depending on whether the non-disclosure was fraudule…
See the clause matrix →Data source
Each condition page shows the actual clause text from each insurer's policy wording, side-by-side. Machine-readable equivalents at /api/condition/{slug}/matrix.json.