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Insurance

Why AIA?

We know real life can be unpredictable. With our strong financial foundation and innovative insurance solutions, we're here to partner with you through life's up's and down's.

As a company with 100 years of history, our vision is to help make New Zealand one of the healthiest and most protected nations in the world. We strive to help our customers live healthier, longer, better lives by encouraging them to make positive lifestyle changes one small step at a time.

AIA offers the following products on www.lifedirect.co.nz.

AIA Living Life Cover

This life insurance provides a lump sum when you pass away or are diagnosed with a terminal illness. It can help your loved ones cover expenses such as your mortgage or funeral costs, support to continue raising your children, or ensure your partner's retirement is protected.


AIA Living Critical Conditions

Traditional trauma insurance, designed to pay a one-off lump sum if you suffer from one of more than 50 defined medical conditions.


AIA Private Health

Takes care of the medical costs for the big things like diagnostic testing, cancer treatment, and surgeries. We let you choose your medical providers.


AIA Private Health Plus

Includes everything that Private Health does, but also covers additional specialists and tests, reproductive health, and a health screening allowance.


AIA Living Income Protection

Provides a monthly payment to replace a portion of your income if you have an illness or injury and are unable to work. You have three options to choose from in this category: Agreed Value, Indemnity or Loss of Earnings.


AIA Living Mortgage and Income Protection

Pays monthly payments to replace your income, or mortgage or rent, should you suffer an illness or injury and are unable to work.





AIA also offers the following products. These products are not as easily comparable to other insurers products as those above, but you can still purchase them through LifeDirect. Get in touch to find out more.

AIA Living Family Protection

Designed to minimise the impact on lifestyle after your death through a monthly payment to your family, rather than a lump sum.


AIA Living Accidental Death

A very basic type of life insurance that simply provides a lump sum should you die as a result of an accident.


AIA Living Progressive Care

Innovative trauma insurance that allows you to make multiple claims, based on the severity of your illness or injury. You'll be covered for 70 defined medical conditions across five categories: Cancer, Heart and Arteries, Brain and Nerves, Loss of Function, and Other Health Events.


Total Permanent Disablement Insurance (TPD)

A lump-sum payment which can assist with your mortgage, covering medical expenses, modifications to your home or other bills so you can focus on adapting to your new world.





Multi-Benefit Discount

We want to make insurance affordable for you and your family.

Insurance is an important part of setting yourself up financially, protecting you and your family's health, wealth and wellbeing. We know the cost of living in New Zealand is high and you have everyday expenses to manage, so we'll do what we can to help you out.

Eligible products across our insurance categories

If you have two or more eligible insurances with AIA you may be able to access a discount on your AIA Living insurance premiums as outlined in the table below.

To be eligible for a Multi-Benefit Discount, you must have life insurance with a minimum sum assured of $100,000 and at least one other insurance from the optional categories below. At least one of your products must be from the AIA Living range and these will be the only products that receive the discount.

* When converting your Family Protection insurance to a lump sum amount over the entire benefit term.

Discount tiers

If you are eligible for a Multi-Benefit Discount you'll be entitled to the following discount:

Do you have existing policies with us?

When you take up new policies with AIA, we'll take into consideration eligible existing insurance you have with us to see if you qualify for the Multi-Benefit Discount. If you're eligible for the discount, this will then be applied to your new policies premium only.

Optional benefits eligible to receive the discount

The following optional benefits will not count towards eligibility within the product categories, but qualify to receive the discount.

Examples of optional benefits include:

  • Waiver of Premium
  • Premier Cover
  • Redundancy Cover
  • Retirement Protection
  • Children's and Maternity
  • Life Buy-back
  • Critical Conditions Buy-back
  • Early Cancer Upgrade
  • Accidental Injury Cover
  • Total Permanent Disablement Condition
  • Future Insurability

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