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AIA: Life Insurance

Life insurance pays a lump sum to your family if you die or are diagnosed with a terminal illness. It helps them clear debts, cover living costs, and maintain their standard of living.

A (Excellent)
Financial strength
International
AIA Group (HK)
91%
Claims paid

It’s important to make the most of life, but we understand that things may not always go to plan. Life insurance can help your loved ones carry on financially should the worst happen, making all the difference at a time when support can be most needed.

It’s the peace of mind that your family can continue to pay monthly bills or mortgage repayments without your financial support. Or that your business can stay on course in times of difficult transition. We understand everyone’s circumstances are different, that's why AIA offers a range of life insurance options designed to best meet your needs.

  • Receive an upfront payment of $15,000 to help with immediate expenses such as funeral costs
  • Reimbursement for the costs (up to $20,000) of returning the life assured’s body to New Zealand if they die while overseas
  • Access to an early payment if you’re diagnosed as terminally ill
  • Access to our Enhancement Pass Back Benefit which is our commitment to you to keep our insurance relevant. Changes we make to our AIA Living products in the future are automatically passed back to you, offering you even more at claim time
FAP licensed IFSO member 4.8 (35 reviews)
Easy to understand, easy to decide.

Common questions about AIA life insurance

Will my premiums go up each year?

It depends on what policy you select. Traditional stepped premiums do increase each year on your policy anniversary. Level premiums do not increase with your age for a specified period of time.

Am I locked into the cover for a certain period?

No. If you cancel your policy in the first 14 days your premiums will be refunded. After the 14 day free look period you are able to cancel your cover at any time.

How can I pay my premiums?

You can choose your method of payment you prefer e.g., Credit card, monthly Direct Debit or Cheque.

Do I have to pay on fortnightly basis?

No. You can choose your payment frequency i.e. weekly, fortnightly, monthly or on an annual basis.

Are medical tests required?

In most cases no medical tests are required. Each application is considered on an individual basis. If you are required to undergo any medical test they will be paid for by the insurance provider and at no cost to you.

Can I apply directly with the insurance providers for cheaper cost?

No. Most insurance providers prefer to work through intermediaries like us rather than dealing directly. We don’t mark up policies. In fact, we guarantee your premium is the same as going direct.

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