Contents
1
About this policy
3
Defined words
When does your policy start?
Policy ownership
Who does your policy cover?
2
Benefits – what you are covered for Life Cover Benefit Bereavement Support Benefit
3
Repatriation Benefit
3
Special Events Increase Facility
3
What is the Special Events Increase Facility?
What is the maximum cover that can be added? What are the other conditions applying to this Facility?
4
Exclusions – when AIA won’t pay a benefit
4
5
Your premiums
4
Premium
Premium payment term
Guaranteed premiums
Method of paying premiums
What happens if you do not pay the premium on time?
6
Paid-up option with reduced cover
4
When can the policy be made paid-up ?
How will the reduced sum assured be calculated if the policy is made paid-up ?
7
Changes to your policy
5
Decreasing your sum assured
Increasing your sum assured
Making your policy paid-up
Change of smoker status
Change of ownership
8
When can your policy be cancelled? When can you cancel your policy? When can AIA cancel your policy?
6
Cancellation due to Sanctions
Non-disclosure or the provision of false or misleading information
9
How to make a claim
6
10
Important information
7
What forms part of this policy contract?
Policy subject to laws of New Zealand
Statutory Fund
Notices
Information about your policy
Worldwide cover
How do you make a complaint?
No surrender value
11
Key terms
8
1400 A-CFL version 1 Effective 20 March 2026
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