While most individuals can access some form of life insurance, certain applicants face severe underwriting restrictions or outright coverage denials. Individuals with terminal illnesses, severe chronic medical conditions, high-risk unmanaged health profiles, or hazardous occupations and extreme sports hobbies may be declined standard coverage or face prohibitive premium loadings. Additionally, non-residents who do not reside legally in New Zealand or individuals exceeding maximum age limits specified by specific insurance product rules (typically over 75 or 80) may be ineligible.
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