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  • Quick Life cover nz

    AIA ESSENTIALS LIFE INSURANCE

    Simple life cover you can buy online in minutes.


    Get the protection you need quickly and easily to ensure your loved ones are taken care of. With AIA Essentials you can apply online, get an instant quote and could have your cover set up in a matter of minutes.

    • Fast online application

      Fast online application

    • Immediate cover for eligible customers

      Immediate cover for eligible customers

    • Flexible protection for life’s changes

      Flexible protection for life’s changes

    sorted

    What is AIA Essentials life cover?

    AIA Essentials Life Cover is a life insurance option designed for people who want a straightforward process, for protection without complexity. It provides a lump sum payment if you pass away, helping your loved ones manage expenses, debts, and future needs. 

    With a quick online application and simplified questions, it’s an easy way to get cover sorted—so you can focus on living well today.

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    Why choose AIA essentials?
    • Fast and easy – apply online in around 10 minutes with simple questions.
    • Instant decision – you can get cover faster than you think.
    • Flexible cover – options to increase your cover with inflation or following specified special events
    • Provides simple, affordable protection – with no unnecessary complexity.
    • Choose your level of cover – approvals from $50,000 to $500,000

    What does it cover?

    AIA Essentials can give you essential protection with Life Cover from $50,000 to $500,000 paid as a lump sum to your loved ones when you pass away and built in benefits like:

    • Terminal Illness Benefit – Early payment of up to 100% the life cover when the terms of the benefit are met.
    • Bereavement Support – Early payment of your life cover of up to $25,000 to help with immediate expenses.
    • Repatriation Benefit – Early payment of your life cover of up to $25,000 to help bring you home if you pass overseas.
    • Support through life’s ride - As your life changes, your cover can too. You have the ability to increase your Life Cover without answering further medical questions when you meet the criteria for the Special Events Increase Benefit. This helps ensure your cover keeps up with your life as it evolves.

    Optional add-ons

    • AIA Vitality – access to our science-backed health and wellbeing programme that rewards your healthy choices!*
    • Indexation – Option to increase your cover every year to keep pace with inflation.

     

    *AIA Essentials Life Cover is not eligible for AIA Vitality premium discount.


    Is AIA Essentials Life Cover right for me?

    AIA Essentials Life Cover may be right for you if you:

    • Want a straightforward life insurance option
    • Prefer to buy your cover online
    • Need fast cover without a complex process
    • Are looking for basic protection

    How to get started

    Getting cover is quick and simple:

    • Choose your cover level and get an instant quote
    • Answer some straightforward questions
    • Get a decision on your protection

    Ready to get started?

    • Apply online
    In 2023, we paid over $263 million in life insurance claims. Most of these claims were for those aged between 50-59.

    Did you know?

    In 2025, we paid over $257 million in life insurance claims. Most of these claims were for those aged between 50-59.

    Save up to 25%
    on fresh fruit & veg every month*

    Making healthy choices is more rewarding with AIA Vitality

    • Buy any eligible insurance, add AIA Vitality and activate in the AIA Vitality app
    • Link your Everyday Rewards Card in the AIA Vitality app
    • Save 10% off when you activate the AIA Vitality HealthyFood benefit in the app
    • Boost your discount to 25% when you complete your AIA Vitality Health Check and save up to $15/month, per member

    *Discount applies to up to $60 of eligible spend per calendar month. T&C's apply. 

    AIA Vitality
    Enjoy rewards
    Learn more

     AIA Essentials Life Cover benefits^

    Eligible age in years (inclusive)

    16 to 70

    Cover amount

    $50,000 – $500,000

    Cover expiry

    No expiry

    AIA Vitality

    Eligible to be added for $13.50 per month (16+) but not eligible to receive the AIA Vitality premium discount.

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    Built-in Benefits

    Terminal illness

    Early payment up to 100% of life cover when the terms of the benefit are met. 

    Up to 100% of life cover 

    Bereavement support

    Early payment of your life cover of up to $25,000 to help with immediate expenses like funeral costs.

    Up to $25,000

    Repatriation

    Early payment of your life cover of up to $25,000 to help bring you home if you pass away overseas.

    Up to $25,000

    ^This is a summary only. For all terms, conditions, limits and exclusions, please read the policy wording.

    More about AIA Essentials

    FAQs

    View frequently asked questions about AIA's Essentials life cover insurance.

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    How quickly can I get cover?

    You can apply online in around 10 minutes, receive an immediate decision, and be covered straight away.


    What does AIA Essentials cover and how much can I get?

    You can choose to apply for cover between $50,000 and $500,000 depending on your needs and circumstances.

    AIA Essentials provides a lump sum paid if you pass away, including other built-in benefits like:

    • Terminal Illness Benefit – Early payment of up to 100% of life cover when the terms of the benefit are met.
    • Bereavement Support – Early payment of your life cover of up to $25,000 to help with immediate expenses.
    • Repatriation Benefit – Early payment of your life cover of up to $25,000 to help bring you home if you pass overseas.

    Can I buy life insurance online?

    Yes. AIA Essentials is designed to be fully online—in most cases you can apply, get a decision, and start your cover all online.  


    What happens if I need help?

    If you are not sure what insurance you may need, or you are wanting to talk to an expert - we can put you in touch with an adviser who can talk through your needs.


    Can I change my cover later?

    Yes. With our Special Events Increase benefit, you can easily increase your cover after certain life events—like starting a family or getting a mortgage—without needing to go through full underwriting again (limits apply). If you are wanting to decrease your cover, our friendly team can assist with this change – reach out to AIA for help.


    What if I have more complex needs?

    If you’re looking for more comprehensive cover or tailored advice, an adviser can help you find a solution that fits your situation. Find out how you can speak to an adviser now.


    Can I pause my cover?

    In some situations you may be able to temporarily suspend your cover if you’re experiencing financial hardship. It’s important to note that while cover is suspended, you are unable to make a claim. Please see full policy wording for more information.


    Do I need to provide medical tests when I apply?

    Our online application  is based on simple health questions. In most cases no medical tests are required, but if further information is needed we will let you know.


    What age can I get cover?

    AIA Essentials is available for people aged 16 to 70.


    Policy Wordings

    AIA Essentials Life Cover
    Disclaimer

    Other things you should know: the availability of insurance cover is subject to your application being approved. All applications are subject to individual consideration. Special conditions, exclusions, and premium loadings may apply. This insurance is underwritten by AIA New Zealand Limited (‘AIA’). For full details of the products and benefits offered by AIA, please refer to the policy document(s) which are available from AIA. The information contained in this publication is general in nature and is not intended as advice; as such it may not be relevant to your individual circumstances. 

    A note on exclusions and benefits

    This insurance (including the built-in and optional benefits) may be subject to certain stand down periods and exclusions; refer to the full policy wording for further information. Please note that optional benefits are subject to an increase in premium and their own specific terms and conditions.

    Terms and conditions apply
    AIA Vitality is available with eligible AIA health or life insurance policies and has a monthly membership fee of $13.50 (including GST). 

    AIA Essentials Life Cover is not eligible for AIA Vitality premium discount. View the full AIA Vitality terms and conditions.

    Your Duty of Disclosure

    When you apply for insurance with AIA New Zealand Limited, you have a legal duty of disclosure to AIA.

    Find out More
    Contact Us

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    0800 500 108

    Mon-Fri 8:30am - 5:00pm

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

    View all contact options
    CONTACT US

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    Mon - Fri 8:30am - 5:00pm

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

    View all contact options
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