Starter Life

AIA Starter Life

Plan starts from
$5.90* per fortnight

*Refer to disclaimer for pricing scenario

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


AIA Starter Life takes that worry away. If you die or become terminally ill, a lump sum will be paid to your loved ones. Plus, you get a membership to AIA Vitality Starter, our health and wellbeing programme that rewards your healthy choices.


You can also add on our Specialist and Diagnostic Testing benefit which covers the costs of eligible private medical specialist consultations and required diagnostic tests, so you can get the right diagnosis and support when you need it most.

What you get

Optional add-on: 

Reasons to buy today:

  • Get your first month free.
  • For peace of mind get 30 days to review and if you aren’t happy you can cancel.

Looking for different cover? Check out our other plans, Healthy Starter or Starter Life Plus.

Get covered in 3 steps


Get an estimate

In a few quick steps

Answer a few simple questions about yourself – it only takes a couple of minutes.


Apply online

To see if you're approved

Complete the application and we’ll let you know straight away if you’re approved and get your final offer.


Buy your plan

Get covered straight away

For peace of mind you also get your first month free and our 30 day walk away policy.

Ready to take the first step? It only takes a few minutes

Why choose AIA Starter Plans?


Be protected

Get peace of mind knowing your financial wellbeing is protected in case the unfortunate happens


Take control

Take control of your health and get the tools to improve it

AIA Vitality Starter

Earn rewards

Get healthier and earn rewards and discounts off leading brands
learn more

Check if you're eligible

Aged from 20 to 55 years   

New to AIA      

A New Zealand citizen or permanent resident

Frequently asked questions
Got questions?
We've got answers!


  • AIA Starter Plan Policy Wordings

The indicative plan pricing for AIA Starter Life shown above is based on 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. For more information about AIA’s Privacy Statement, please visit 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 and for AIA Vitality Starter benefits refer to AIA Vitality Starter

Copyright © 2024, AIA New Zealand Limited (Company Registration No: 352806), and its affiliates and subsidiaries. All rights reserved.