Accidental death

Terminal Illness Benefit — up to 100% of Life Cover Benefit if life assured is expected to live no more than 12 months; treated as early payment of Life Cover Benefit; Specified Terminal Conditions Benefit — lower of 30% of Life Cover Benefit or $250,000 for unequivocal diagnosis of Motor Neurone Disease, Exocrine Pancreatic Cancer (Stages 3 or 4), Non-Small Cell Lung Cancer (Stage 4), or Distal Oesophageal Cancer (Stage 4); treated as early partial payment of Life Cover Benefit; Financial and Legal Advice Benefit — reimbursement of up to $2,500 including GST for financial planning or legal advice following a claim; payable once per life assured across all AIA policies; in addition to sum assured; Counselling Benefit — reimbursement of up to $2,500 including GST per life assured for Psychiatrist or Psychologist consultation and/or counselling for the life assured and/or a close relative following a claim; payable once per life assured per policy; in addition to sum assured; Repatriation Benefit — reimbursement of costs to return life assured's body to New Zealand or home country; maximum is the lower of the Life Cover Benefit, $15,000 if life assured is sole policy owner, or $20,000 if there is a surviving policy owner; treated as early payment of Life Cover Benefit

Terminal Illness Benefit; Specified Terminal Conditions Benefit; Bereavement Support Benefit; Parents Grieving Benefit; Special Events Increase Facility; Special Events Total Permanent Disablement (TPD)/Trauma Facility; Financial and Legal Advice Benefit; Repatriation Benefit; Counselling Benefit; Premium Conversion Facility; Suspension of Cover Benefit

Death benefit; Terminal illness benefit; Financial planning and legal advice benefit; Grief support benefit; Funeral advancement benefit; Funeral conversion benefit; Repatriation benefit; Terminal specific condition advancement; Special events increase benefit; Special events conversion benefit; Inflation adjustment benefit

Source: insurer brochure (not the full policy wording). The wording contains the medical definition with clinical thresholds — request it from your adviser before claim decisions.

Source captured 19 months ago — confirm with insurer.

Policy Enhancement Benefit; Suspension of Cover

Life Benefit; Advanced Funeral Benefit; Terminal Illness Benefit; Special Events Increase Benefit

Death Benefit; Bereavement Benefit; Terminal Illness Benefit; Terminal Illness Partial Benefit; Child's Funeral Assistance Benefit; Repatriation Benefit; Financial Planning and Legal Advice Benefit; Special Events Increase; CPI Increases

Life Cover Benefit; Terminal Illness Benefit; Non-Survivable Accident Benefit; Terminal Illness Advance Benefit; Bereavement Support Benefit; Repatriation Benefit; Dependent Child Funeral Support Benefit; Financial and Legal Advice Benefit; Return to Home Benefit; Counselling Benefit; Special Events Increase Benefits; Guaranteed Wordings; Guaranteed Upgrade of Future Benefits

Source: insurer brochure (not the full policy wording). The wording contains the medical definition with clinical thresholds — request it from your adviser before claim decisions.