Life insurance that's more affordable than you think

Can your family pay the mortgage without you? Could they take time off work and look after you if you’re terminally ill? What about funeral costs? Life insurance is your way of looking after your loved ones when you’re gone.

There is no specific age at which you should get life insurance; rather it would depend on your

• personal circumstances
• family circumstances
• financial responsibilities.

If you have a mortgage, a spouse and children or others that depend on you financially, or if you own a business, you may want to consider having life insurance.

Note: There are minimum - maximum eligible ages for insurance products.

The AIA Vitality Membership Fee is $11.50 per month, providing AIA Vitality members with access to a variety of discounts and rewards. The membership fee is in addition to your insurance policy premium and is charged separately. The AIA Vitality membership fee can be paid by either the policy owner or the AIA Vitality member (Life Assured).

When you sign up to AIA Vitality you receive an initial 10% premium discount on your eligible insurance policies. Then you’re in control of the discount you can receive through ongoing engagement with the AIA Vitality program. On your policy anniversary, your premium discount will be adjusted depending on your AIA Vitality Status. For more details on Premium Flex, refer to the AIA Vitality Premium Adjustment Rules.

Once you have successfully linked your fitness device or app and opted into Active Rewards via the app you’re ready to start tracking activity and earning physical activity points.

By tracking your steps, heart rate and calories burnt using your activity tracker or smart phone, you can earn $5 per week to spend on leading brands like Countdown, Airpoints and Harvey Norman. That’s up to $260 per membership year! Or opt-in to the Apple Watch Benefit and earn your Apple Watch Series 9 GPS over 24 months.

Weekly targets for Active Rewards or Apple Watch run from Monday to Sunday each week and range from 200 – 500 points. Beginning at 250 points your target will either increase or decrease depending on your physical activity.

When you opt in to the Apple Watch Benefit, you are no longer eligible for the $5 Active Rewards vouchers and donations for the next 24 months, or until the loan is fully settled. Once you have paid off your Apple Watch Benefit, you will automatically be able to select Active Rewards retail or charity partners again.