Terms and conditions

1. The Hardship Offer applications are open to eligible Fidelity Life customers from 20-January 2026 until 21-April 2026 (inclusive).

2. To be eligible for the Hardship Offer, customers:
    a. Fidelity Life policy/ies must be active as at 20-January 2026;
    b. policy/ies must have been in force for 12-months or more;
    c. reason for the application must be due to direct financial hardship resulting from the severe weather event in the following areas:
        - Whangārei District
        - Thames Coromandel District
        - Hauraki District
        - Bay of Plenty Region
        - Tairāwhiti Region
    (included in the State of Local Emergency declarations announced by the Government on 20 and 21-January 2026); and
    d. must have explored other financial support options available from Fidelity Life (i.e. payment plans/arrangements) in the first instance.

3. Fidelity Life may request additional information (including but not limited to property address to confirm impacted property) from advisers or customers to support an application for the Hardship Offer. Fidelity Life at its sole discretion may decline an application if it reasonably believes that a customer does not meet the eligibility criteria.

4. The Hardship Offer is not available for lapsed policies, or policies subject to cancellation requests.

5. If an application is accepted, premiums can be waived for up to 3-months (Waiver Period) with the potential to extend for up to a further 3-months (inclusive of any existing arrears). Premiums due during the Waiver Period agreed will not need to be repaid when the Waiver Period ends.

6. Regular premium payments are to recommence following the end of the agreed Waiver Period.

7. No alterations will be allowed to the policy during the Waiver Period (except contractual increases, including Future Insurability and CPI increases).

8. All decisions made in relation to the Hardship Offer will be final and made by Fidelity Life at its sole discretion.

9. Fidelity Life reserves the right to discontinue or amend the eligibility criteria and/or Hardship Offer terms and conditions at any time.

10. Claims can be made during the Waiver Period.

11. Fidelity Life collects, holds and uses personal information a customer provides in accordance with the Privacy Act 2020 and its Privacy Statement.

Severe Weather Hardship Relief Offer - January 2026.