Life Cover

Start saving when you take out life insurance and at least one other eligible insurance product. T&Cs apply. 

Premium Flex rewards you with a discount on your insurance. The more engaged you are, the higher the discount. Conditions apply. 

Provides an early payment to help with immediate expenses like funeral costs. Conditions apply. 

Provides an early payment if you are diagnosed with a terminal illness with a life expectancy of less than 12 months.

You can apply for a Specified Terminal Conditions benefit if you have been unequivocally diagnosed by an appropriate registered medical practitioner as having any of the following incurable terminal conditions: 

• Motor Neurone Disease,
• Exocrine Pancreatic Cancer (Stage 3 or 4), 
• Non-Small Cell Lung Cancer (Stage 4), 
• Distal Oesophageal Cancer (Stage 4).

Financial support up to $2,500 to receive legal and financial advice from an AIA approved financial adviser or legal professional.

If your child passes away, we will pay you $2,000 for children aged under 10 years and $15,000 for children between 10-21 years of age.

Provides an early payment to assist with costs associated with returning your body back to New Zealand or to your home country (the country you were born in, or were a permanent resident of).

Enables you to increase the sum assured under your cover, without further medical underwriting following a significant event in your life which results in increasing financial responsibilities.

At the time of a special event, you can apply to add an amount of ‘accelerated’ Critical Conditions cover, ‘accelerated’ Progressive Care or ‘accelerated’ Any Occupation Total Permanent Disablement cover to your life cover.

Before reaching the age of 65 years, you have the option to convert all or part of your sum assured to a level premium structure without further medical underwriting.

Financial support up to $2,500 to cover the cost of a Psychiatrist or Psychologist consultation and counselling for you and/or your family where the treatment directly relates to a claim.

AIA provide the flexibility to suspend your cover for up to 12 months, if you meet the conditions outlined in the policy wording. No benefits will be payable for any claim event which occurs during this suspension period.

Whether you’re at home, travelling or living overseas for any period, you remain insured.

At claim time, we’ll compare your purchased product’s policy wording with the latest version of that product’s policy wording and apply the most favourable option for your claim. For more information visit aia.co.nz/passbacks.

You can apply to increase your sum assured at every third policy anniversary without providing any further medical information. Limits and conditions apply and every increase in cover will result in an increase in premium.

We will waive your premium payments, while your insurance remains in place when you are unable to work due to total disability.