Life Insurance
Lump sum payment if you were to pass away or are diagnosed with a terminal illness.
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.
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.
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:
Optional add-ons
*AIA Essentials Life Cover is not eligible for AIA Vitality premium discount.
AIA Essentials Life Cover may be right for you if you:
How to get started
Getting cover is quick and simple:
Ready to get started?
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
*Discount applies to up to $60 of eligible spend per calendar month. T&C's apply.
AIA Essentials Life Cover benefits^
Eligible age in years (inclusive)
16 to 70
Cover amount
$50,000 – $500,000
Cover expiry
No expiry
Eligible to be added for $13.50 per month (16+) but not eligible to receive the AIA Vitality premium discount.
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.
View frequently asked questions about AIA's Essentials life cover insurance.
You can apply online in around 10 minutes, receive an immediate decision, and be covered straight away.
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:
Yes. AIA Essentials is designed to be fully online—in most cases you can apply, get a decision, and start your cover all online.
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.
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.
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.
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.
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.
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.
When you apply for insurance with AIA New Zealand Limited, you have a legal duty of disclosure to AIA.