| | AA Life Services Ltd | 5 February 2012 |
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Accidental Death Insurance - Frequently asked questions | |
What do you mean by Accidental Death?
Am I eligible for your Accidental Death Insurance?
Do I need a medical check up?
How soon will my insurance cover take effect?
What if I submit my application, and then change my mind?
Will my cover change?
Is there anything not covered by this policy?
How is a claim made?
How do I pay my premiums?
When does my cover end?
What do you mean by Accidental Death?
We define Accidental Death as ‘a single, sudden, unintended event that causes you bodily injury resulting in death’. The injury must be solely and directly caused by a sudden, violent, accidental and visible event. So accidental death does not include things like death by an illness, disease or suicide. Have a look at the Policy wording to see exactly what is not considered an accidental death.
Am I eligible for your Accidental Death Insurance?
If you are a New Zealand resident aged 16-74, you’re eligible. If you’re outside this age range and still want Accidental Death Insurance, call us on 0800 808 175 – we’ll work something out for you.
Do I need a medical check up?
No, in fact we don’t even need you to answer any medical questions.
How soon will my insurance cover take effect?
You’re covered from the date we receive your acceptance form or once we’ve completed it over the phone with you.
What if I submit my application, and then change my mind?
Simple – you can return the policy within 30 days and get a full refund If you change your mind for any reason.
Will my cover change?
Yes, at age 75 your cover will halve, but your premium will remain the same.
Your cover can be increased at any time, just simply call us on 0800 808 175 to arrange it.
Is there anything not covered by this policy?
Yes. Accidental Death Insurance does not cover certain events such as when you die as a result of participating in an illegal or criminal act, dangerous sports (e.g.mountaineering, motor racing, hang-gliding, parachuting, bungy-jumping), serving in the armed forces, or any warlike activities. Have a look at the Policy wording for the full details.
How is a claim made?
The person looking after your affairs will need to contact us on 0800 808 175, to inform us of your death, so we can start the claim process.
The following information will initially be required;
Date of death
Cause of death
Contact details for the administrator of your estate, eg solicitor or family members
We will contact the administrator of the estate for any further information needed to process the claim, such as;
The completed Claim Form
The Death Certificate
Proof of Age - Passport, Drivers Licence or Birth Certificate
The Policy Document
Your will (if you have one) - this will not be required if you have elected a 2nd Owner.
A Police Report or Coroners Findings may also be required depending on the circumstances of your death. We may also require Probate or Letters of Administration (legal documents required if you have more than $11,000 worth of cover).
Once these documents are received and the claim is accepted, it will be settled immediately.
The payout will go to your estate or 2nd Owner, the person you have chosen to receive the payment.
How do I pay my premiums?
Preiums can be paid monthly (direct debit and credit card only), quarterly, half-yearly or annually by direct debit, credit card or cheque.
When does my cover end?
Your cover ends on the earliest of:
· the anniversary of the policy following your 85th birthday
· your death
· 30 days after missing a premium payment
· the date shown in your policy summary
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