C Written notification of cancellation from You to Us at any time. D Non-payment of Total Premium as set out in Clause 6 “Period of Assurance” above. E The death of the Life Assured . When the Life Assured dies We will pay You the amount of interest to which You would be entitled under any legislation in force governing payment of interest under life insurance policies. If this Policy is avoided or is terminated under any of the terms and conditions of this Policy , all Total Premiums paid shall be absolutely forfeited to Us . Cover under this Policy applies twenty-four (24) hours a day, anywhere in the world. If you are overseas during the period of a claim, Benefits will be paid in New Zealand currency. This Policy is the entire contract of insurance between You and AIA New Zealand . It comprises the following parts: • Your application for insurance; and • this Policy wording; and • the Policy Schedule ; and • any other written notice that AIA New Zealand gives You ; and • any written notice that You give Us . In the event of any changes in taxation after the Policy Commencement Date which affects the Benefits or Our liability, We may make such amendments or modifications to the Premium and Benefits and this Policy as We consider appropriate. If there is more than one (1) Life Assured shown on the Policy Schedule , We will pay the Life Cover Benefits for each Life Assured . The amount of the Benefit payable will be the Sum Assured payable for that person under this Policy . The Life Cover Benefit will end when all Lives Assured have died, and to the extent a Life Cover Benefit is payable in respect to each of them, that Benefit has been paid. This Policy does not participate in bonus distributions or acquire a cash surrender, loan or maturity value. B Where this Policy refers to an Act of Parliament, this includes any Regulations made under it. It also includes any Act or Regulations enacted in substitution. C Your life insurance Policy is part of the AIA New Zealand Statutory Fund, effective 1 September 2013. This is a requirement under the Insurance (Prudential Supervision) Act 2010, for policyholder protection. To enable You to consider the Policy in detail You will have a free look period of fourteen (14) days after You receive Your Policy document. During this period, if You decide that the Policy does not suit Your needs then You may return it to Us and receive a full refund of all Total Premiums paid and the Policy will be cancelled.
SETTLEMENT OF BENEFITS
9
FORFEITURE OF PREMIUMS
10
WORLDWIDE COVER
11
ENTIRE CONTRACT 12
TAX CHANGES
13
DEATH BENEFITS PAYABLE WHERE MORE THAN ONE (1) LIFE ASSURED
14
GENERAL
15 A
FREE LOOK PERIOD
16
PC-LC-05/2026
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