Life Insurance
Lump sum payment if you were to pass away or are diagnosed with a terminal illness.
The most important things in your life are your family, your lifestyle and your future. This is what life, trauma and disability insurance are there to protect.
For Individuals
For Business
Lump sum payment if you were to pass away or are diagnosed with a terminal illness.
Choose from private health insurance or specialised cancer insurance.
Financial support if you or your child become seriously ill or injured.
Lump sum payment if you become permanently disabled and are unable to work.
Monthly payments to help replace a portion of your income if you are unable to work.
Simple plans you can buy online. Get protected with basic life, rent or mortgage protection.
Lump sum payment if you have an accident and suffer one of the covered injuries.
AIA Vitality encourages and supports you to live a healthier life, while giving you access to great rewards along the way.
Learn more about the amazing benefits, discounts and rewards you'll have access to with AIA Vitality.
Learn how you can earn up to 15,000 points and $260 a year in Active Rewards.
Find out how you can earn 25 Airpoints Dollars or $25 Woolworths vouchers.
Get help with making a claim.
AIA Group is one of the largest life insurers in the world, with a presence in 18 markets across Asia Pacific. AIA New Zealand Limited is part of the AIA Group and has been providing insurance to New Zealanders since 1981.
AIA New ZealandAIA Thrive is a network of qualified, experienced advisers helping New Zealanders plan well, so they can live well.
AIA NZ is committed helping build a healthier, cleaner and more sustainable Aotearoa NZ.
AIA is committed to continuously improving conduct, culture and customer outcomes.
We're here to help! Check out our quick links and digital tools. Still have a question? Get in touch via Live Chat.
Contact AIAQuick Links
Understanding your policy
Other useful information
Updating policies, moving house, changing names, Covid-19 support... our FAQs section has all the answers and forms.
Product updates, enhancements and policy wordings for current and closed AIA or Sovereign policies.
Find out more about CPI indexation and how it may affect your insurance cover.
Helpful advice if you have recently arrived, or are considering moving to New Zealand.
A list of some of the services available in New Zealand that offer support, information and help.
The latest AIA investment performance information, as well as a list of closed and terminated investment products.
If you have a complaint, we’ll do our best to resolve the situation.
{{title}}
{{label}}Some of AIA’s closed life insurance policies have a cash value which allows a loan to be taken out on the policy, effectively borrowing against the cash value.
An arrears loan is an alternative to surrendering your policy if you no longer want to pay premiums. An arrears loan can allow you to preserve the benefits of your policy. Your policy provides security for repayment of the arrears loan, including accrued interest and policy arrears which will be added to your loan balance. You are not required to repay this loan. However, it will be deducted from any surrender or claim against the policy. Please note that if at any time your loan balance exceeds the cash value of your policy, your policy will be cancelled. This means that you would also lose any life cover or other benefits of the policy.
Some policies allowed customers to request a cash loan with the cash value of the policy providing security for the loan, including accrued interest. As of December 2021, new customer-initiated loans or top-ups to existing customer-initiated loans are no longer offered by AIA.
Similar to arrears loans, customers are not required to repay these loans, but can choose to do so. Any outstanding loan balance is deducted from any surrender or claim against the policy. Please note that if at any time the loan balance exceeds the cash value of the policy, the policy will be cancelled. This means that you would also lose any life cover or other benefits of the policy.
Arrears loans and customer-initiated loans attract an interest rate.
For former Sovereign traditional policies, the current interest rate is 7.0% per annum, which is compounded monthly and charged against loans, premium arrears and accrued interest on a traditional policy.
For AIA Permanent Term and Universal Life products, the current interest rate is 7.0% per annum, which is compounded monthly and charged against loans, premium arrears and accrued interest.
If you are unsure which interest rate applies to your arrears loan or customer-initiated loan, please contact us for assistance.
If you have any questions regarding an arrears loan or customer-initiated loan, or would like information on our other products and services, please call your adviser or contact us.
Mon-Fri 8.30am-5.30pm
We will be in contact as soon as we can.
Did you know, with an eligible policy you can view, claim and update your insurance with MyAIA? Find out more