Find the right cover to take care of what matters most to you.
Our life insurance products
For Individuals
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What is the difference between stepped, level and optimum premiums?
Understanding these premium types could help you better manage the cost of your insurance.
Understanding premiums and cover
Frequently Asked Questions
- Stand Alone cover
- Rider cover, or
- Linked.
- your spouse (including your legally married spouse, de facto spouse, or same sex partner)
- your child/children (of any age) within the meaning of the Family Law Act 1975
- any person financially dependent on you
- a person in an interdependency relationship with you, or
- your Legal Personal Representative.
- Binding nomination – A legal binding nomination that is valid for three years and binds the trustee to distribute your death benefits as instructed by you in the nomination form. You need to review your nomination every three years before it expires.
- Non-lapsing binding nomination – A legal binding nomination that will continue to be valid until the expiry of your cover unless a new valid nomination is made or if the existing nomination is revoked.
- Non-binding nomination – A nomination made to the trustee that is non-binding. The trustee will consider your nomination, along with all other available information, but has discretion to decide how to distribute your death benefits.
Life Insurance with AIA Vitality
The more you do to improve your health, the greater the rewards. You can attach an AIA Vitality membership to your life insurance or income protection cover to help you protect your most precious asset – your health.
Claims made easy
AIA Australia paid over $2.3 billion in total claims paid to customers during 2023, across our Retail, Group and Direct insurance policies.
Our priority is to support you through the claims process, ensuring that you understand what's happening every step of the way and that you get what you need as soon as possible.
Find out more
The more you do to improve your health, the greater the rewards. You can attach an AIA Vitality membership to your life insurance or income protection cover to help you protect your most precious asset – your health.
AIA Vitality content hub
Whether it’s your first foray into fitness or your gruelling third month of marathon training, AIA Vitality's Content Hub is your ultimate support team. Get the information and guidance you need to move well, think well, eat well and plan well. Your questions answered, inspirational stories and science-backed advice.