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Fidelity Life

Fidelity Life Assurance Company Limited. Active life-cover products with verbatim policy-wording extracts.

Legal entity:
Fidelity Life Assurance Company Limited
RBNZ financial strength rating:
A- (Excellent) (AM Best, Stable (affirmed 2026-03-05))

NZ-owned specialist life insurer. LifeProtect is the current retail wording family. Wordings publicly hosted at fidelitylife.co.nz/media/.

Snapshot 2026-05-20T08:21:45.034Z. 1 active product on file.

Fidelity Life

LifeProtect Life Cover

Wording v2025-04-30 · confidence: inferred

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.
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What to compare on

  1. Premium at your age and sum-insured. Quote Fidelity Life plus two or three other NZ insurers.
  2. Stepped vs level premium structure. Decide between low entry premium that rises with age, or flatter whole-of-life cost.
  3. Terminal illness benefit. Confirm the trigger wording and amount in the policy document.
  4. Future insurability. Ability to increase cover at life events without fresh underwriting.
  5. Exclusions. Read the wording, not the marketing summary.

Where to get a quote

Not personalised financial advice. Mechanical comparison from each insurer's policy wording. Quote with the insurer directly for premiums applicable to your age and sum-insured. Product features may change — verify on the insurer's website.