Life Insurance Indemnity Contract Template for New Zealand

1. Group Policy Provisions: Additional terms specific to group life insurance policies, used when the policy covers multiple lives under a group scheme

2. Policy Riders: Additional coverage options such as critical illness or disability benefits, included when additional coverage is selected

3. Investment Component: Terms relating to investment portions of the policy, used for universal life or investment-linked policies

4. Premium Holiday Provisions: Terms for temporary suspension of premium payments, included when this feature is offered

5. Conversion Rights: Terms for converting the policy to a different type, included when conversion options are available

6. Reinstatement Provisions: Terms for reinstating a lapsed policy, included when reinstatement is permitted

1. Schedule A - Premium Calculation: Detailed breakdown of premium calculations including any loadings or discounts

2. Schedule B - Medical Requirements: Required medical examinations and tests based on sum insured and age

3. Schedule C - Benefit Schedule: Detailed breakdown of benefits and corresponding sum insured amounts

4. Schedule D - Excluded Medical Conditions: Specific medical conditions excluded from coverage

5. Appendix 1 - Claims Documentation: List of required documents for different types of claims

6. Appendix 2 - Privacy Statement: Detailed privacy policy and handling of personal information

7. Appendix 3 - Statutory Declarations: Required statutory declaration forms for claims and beneficiary changes