Almost every NZ life insurance policy excludes death by suicide for the first 13 months (sometimes 12) of cover. After this period, suicide is generally covered. This page documents each insurer's exclusion period verbatim.
Showing 4 of 7 indexed products with on-file cover language for this topic. 3 pending ingest.
Snapshot 2026-05-20T08:21:45.034Z. Machine-readable:facts.json·summary.md
AIA New Zealand
Wording v2023-10-10 · confidence: verified
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
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
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
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.
