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AIA New Zealand shall mean AIA International Limited, trading as AIA New Zealand, and / or any related companies and / or agents Life cover.

(including company officers acting in the scope of their authority) and AIA New Zealand’s insurance advisers or reinsurers.

until this application has been accepted by AIA New Zealand; and

You have paid the first month’s premium.

AIA New Zealand may decline this application, or may accept this application subject to certain conditions and exclusions.

When you apply for insurance with AIA New Zealand and when you make a claim on the policy, you have a legal duty of disclosure to AIA New Zealand.

The duty of disclosure means that:

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All the statements that you or any Life Assured make to AIA New Zealand (both written and oral) including the answers in this application, any claim made by you, and any other communication by you or any Life Assured with AIA New Zealand must be true and correct.

You and any Life Assured must disclose everything that you or any Life Assured know, or could reasonably be expected to know, that is relevant to AIA New Zealand’s decision whether:

to accept your application for insurance, on what terms AIA New Zealand will accept it and how much it will cost; or

to accept your claim on the policy.

This duty of disclosure in relation to your application for insurance continues from the time you complete this application until either:

the later of the commencement date of the policy or the date AIA New Zealand accepts your application for insurance; or

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AIA New Zealand declines your application for insurance.

You and any Life Assured also have the same duty of disclosure to AIA New Zealand, throughout the term of the policy whenever you or any Life Assured communicate with AIA New Zealand and whenever you extend, vary or reinstate your insurance.

If you or any Life Assured do not comply with your duty of disclosure, AIA New Zealand may at its discretion do any or all of the following:

Decline any claim that you make;

Alter the terms of any benefits under the policy;

Remove any benefits under the policy;

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Void your policy from the commencement date of the policy;

Retain all premiums, policy fees and recover any benefits paid;

IF YOU ARE NOT SURE WHETHER YOU ARE REQUIRED TO DISCLOSE A PARTICULAR FACT, PLEASE ASK AIA NEW ZEALAND OR YOUR INSURANCE ADVISER.