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.
Why this matters: Most exclusion clauses are identical; the period (12 vs 13 months) is the main variable. The exclusion typically resets if the policy lapses + is reinstated.
5 of 7 indexed products have on-file cover language. 2 pending wording ingest.
Snapshot 2026-05-20T08:21:45.034Z. Machine-readable:matrix.json· summary.md
AIA New Zealand
Wording v2023-10-10 · confidence: verified · key: suicide_exclusion_period
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.
AIA New Zealand
Wording v2026-05-17 · confidence: inferred · key: suicide_exclusion_period
13 months of 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 you make.
Chubb Life NZ
Wording v2026-05-17 · confidence: verified · key: exclusions
This policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.; A policy enhancement won't apply if you're claiming for an illness, injury or condition that showed signs or symptoms, or was diagnosed before the enhancement came into effect.; You can't make any claim while we're suspending your policy. We also won't cover you or any life assured for any illness, injury or condition that showed signs or symptoms, or was diagnosed, while we've suspended your policy.
Chubb Life NZ
Wording v2026-05-17 · confidence: verified · key: suicide_exclusion_period
If the life insured's death or terminal illness is caused or contributed to, directly or indirectly, by suicide, attempted suicide or intentional self-injury within 13 months of the cover start date or from the date the policy was reinstated after being cancelled. This applies whether the life insured is sane or insane. If the Life Cover Amount is increased within 13 months before the life insured's death by suicide, attempted suicide or intentional self-injury, we'll only pay the Life Cover Amount that applied immediately before the increase.
Fidelity Life
Wording v2025-04-30 · confidence: inferred · key: suicide_exclusion_period
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.
