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  • AIA Insurance

    Our insurance products

    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.

    • offers Our latest offers
    • discount Multi-Benefit Discount

    For Individuals

    For Business

    • Life Insurance

      Lump sum payment if you were to pass away or are diagnosed with a terminal illness.

    • Health Insurance

      Choose from private health insurance or specialised cancer insurance.

    • Trauma Insurance

      Financial support if you or your child become seriously ill or injured.

    • Total Permanent Disablement

      Lump sum payment if you become permanently disabled and are unable to work.

    • Income Protection Insurance

      Income protection insurance provides financial support if you can't work due to an accident or illness.

    • AIA Starter Plans

      Simple plans you can buy online. Get protected with basic life, rent or mortgage protection.

    • Specified Accidental Injury Cover

      Lump sum payment if you have an accident and suffer one of the covered injuries.

    • Business Insurance

      Protection for business owners if a key person becomes seriously ill, is injured, or dies.

    • Corporate Solutions

      Providing cost effective and comprehensive corporate group insurance for your employees.

    • Rural Insurance

      Financial support if a key person of your farm becomes seriously ill, injured or passes away.

  • AIA Vitality

    AIA Vitality

    AIA Vitality encourages and supports you to live a healthier life, while giving you access to great rewards along the way.

    • AIA Vitality Simulator

      An interactive tool to help you calculate the benefits and rewards of AIA Vitality.

    • AIA Vitality Premium Flex Explained

      Learn how you can save on insurance with AIA Vitality.

    • How to earn points

      Start earning points for getting to know and improve your health today!

    • Benefits & Rewards

      Learn more about the amazing benefits, discounts and rewards you'll have access to with AIA Vitality.

    • Physical activity points explained

      Learn how you can earn up to 15,000 points and $260 a year in Active Rewards.

    • Sprint to Silver

      Find out how you can earn 25 Airpoints Dollars or $25 Woolworths vouchers.

    • Content Hub

      Your go to for science-backed health and wellbeing inspiration and advice.

    • AIA Vitality Starter

      Entry level membership automatically included with all AIA Starter Plans.

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      A personalised end to end claims experience when support matters the most.

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      Get help with making a claim.

  • About AIA

    About AIA

    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.

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  • Life insurance nz

    Life insurance that's more affordable than you think

    Find the best life insurance to meet your needs and budget. Get an insurance quick quote in two steps. 

    It’s not nice to think about, but would your loved ones cope financially if you pass away? 

    AIA Life insurance can help protect your loved ones future by providing them with a lump sum or monthly payment if you pass away or are diagnosed with a terminal illness, and have less than 12 months to live. 

    Worried about the cost of life insurance? It's more affordable than you think!

    Get basic life insurance from $5.90* per fortnight with Starter Plans or choose our more comprehensive life insurance option with no maximum amount. Compare life insurance options to find what's right for you.

    You can also add AIA Vitality, our science-backed health and wellbeing programme that rewards your healthy choices via premium discounts and partner rewards. AIA Vitality can be added to your comprehensive life insurance for $11.50 per month, while our Starter Plans have AIA Vitality Starter included. T&Cs apply​

    *Pricing is dependent on individual circumstances. Refer to disclaimer at the bottom of the page for further information on this pricing scenario.

    Ready to get started?

    • Get a quick quote
    • Talk to an adviser
      Talk to an Adviser
    • Apply online
    • Buy a starter plan

    Key benefits of AIA LIfe Cover

    Provides a lump sum or monthly payment to your loved ones after you pass away. 

    Early payment if you're diagnosed with a terminal illness and have less than 12 months left to live.

    Receive an upfront payment to help with funeral costs, or any other immediate expenses as needed.

    Find out more about our life insurance

    Get Rewarded with AIA Vitality

    When you take out AIA Living Life Insurance you can include AIA Vitality for an additional monthly membership fee of $11.50 (Including GST). Get access to tools and support to understand your health, be encouraged and inspired to make healthier lifestyle choices all while enjoying amazing discounts and rewards from leading brands like Apple, Les Mills, Countdown, New Balance and much more.

    Get instant access

    Get instant access to great discounts from sports apparel and movie tickets to endota spa vouchers, just by activating and logging into your app.

    Earn every week

    Earn $5 Active Rewards each week you meet your physical activity target - that's up to $260 per year - or earn an Apple Watch Series 9 (GPS) in full.

    Earn every year

    Receive a 10% premium discount on your first year, then you're in control of the discount you receive. For more information see AIA Vitality Premium Adjustment Rules. 


    Why choose AIA?

    Start thriving with
    AIA Vitality

    Add AIA Vitality to any eligible insurance product and receive an initial 10% premium discount plus an array of rewards. T&Cs apply.

    AIA Vitality logo
    92% Claims paid
    in 2024

    $829.6M
    Paid

    Between 1 January and
    31 December 2024.

    Multi-benefit Discount

    Save up to 15% on your premiums when you buy multiple eligible insurance policies.

    T&Cs apply.

    Financial Strength
    Rating
    AA

    (VERY STRONG)
    RATING

    FAQs

    + Expand All
    - Collapse All

    Why do you need life insurance?

    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.


    What age should you think about life insurance?

    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.


    How much does it cost to join AIA Vitality?

    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).


    Do I get discounted insurance premiums with AIA Vitality?

    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.


    How do I earn the $5 Active Rewards?

    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.


    Can I get Active Rewards and the Apple Watch Benefit at the same time?

    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.


    Product Brochures

    • Introducing AIA Vitality Brochure
    • AIA Life Insurance Brochure

    Disclaimer:

    The price of your plan will depend on your personal information. The indicative plan pricing for AIA Starter Life, is based on a 32 year old non smoker female with $100,000 life cover. The Estimate tool provides an estimate of plan charge only. Information provided to the Estimate tool and the estimated plan charge displayed on ‘Your Estimate’ is not saved or shared. View AIA's Privacy Statement. All estimates are indicative only and are based on AIA’s standard premium rates for your age, gender, smoking status, occupation and employment status without taking into account your personal circumstances. Your personal circumstances can affect AIA’s ability to provide cover, and the rates or terms on which that cover may be offered. Any estimates and information provided by the Estimate tool are not financial advice. Refer to your estimate for more information about what is included in the plan. The insurance products outlined in the Estimate tool are underwritten by AIA New Zealand Limited (“AIA”).

    The availability of insurance cover is subject to AIA’s acceptance and approval of a completed application. For full AIA Vitality terms and conditions visit AIA Vitality.

    Contact Us

    Live Chat

    Mon-Fri 8:30am - 5:30pm

    0800 500 108

    Mon-Fri 8:30am - 5:30pm

    Postal address

    AIA New Zealand Limited
    Private Bag 92499
    Victoria St West
    Auckland 1142

    View all contact options
    CONTACT US

    Live Chat

    Mon-Fri 8:30am - 5:30pm

    0800 500 108

    Mon - Fri 8:30am - 5:30pm
    AIA House, 74 Taharoto Road, Takapuna, Auckland 0622, New Zealand
    View all contact options
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