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AIA is New Zealand’s Largest Life Insurer

Don’t take chances with your financial security. AIA covers more Kiwis than any other life insurance company in New Zealand.

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AIA New Zealand Limited has been given an AA (Very Strong) insurer financial strength rating by Fitch Ratings, an approved rating agency. View details

AIA New Zealand Limited has been given an AA (Very Strong)¹ insurer financial strength rating by Fitch Ratings, an approved rating agency. A rating of AA means AIA New Zealand Limited has a very strong capacity to meet policyholder and contractual obligations.

Rating Scale

Secure	Vulnerable
AAA (Exceptionally Strong)	BB (Moderately Weak)
AA (Very Strong)	B (Weak)
A (Strong)	CCC (Very Weak)
BBB (Good)	CC (Extremely Weak)
	C (Distressed)

Note: “+” or “-” may be appended to a rating to indicate the relative position of a credit within the rating category. Such suffixes are not added to ratings in the AAA category or to ratings below the CCC category.

Footnotes

Rating affirmed by Fitch Ratings on 30 November 2025. See https://www.fitchratings.com/entity/aia-new-zealand-limited-96681083.

Insurance

Life Insurance

Life insurance pays a lump sum benefit in the event of your death, or if you are diagnosed with a terminal illness. There is only one exclusion (for self-harm within the first 13 months), and your cover will not expire at any age unless you choose to cancel it.

Health Insurance

Health insurance pays your private health care costs for a wide range of medical conditions, procedures and investigations. It can pay those costs directly to your health care provider, without you having to pay the costs first and then claiming reimbursement from AIA.

Income Protection

Income Protection insurance pays you a monthly benefit of up to 75% of your pre-tax salary or wage, if you are unable to work in your own occupation due to illness or injury. For most people, premiums are tax deductible, so you can claim your premiums against your taxable income.

Trauma Insurance

Trauma insurance pays you a lump sum benefit if you develop a covered medical condition, as specified in the policy. AIA offers three trauma insurance options: Critical Conditions, Progressive Care and Severe Trauma.

Permanent Disability

Permanent Disability insurance pays you a lump sum benefit if you are unable to ever work again in your own occupation (and not just in any occupation) due to illness or injury. It also pays you a benefit of 25% of the amount of your cover for partial permanent disability.

Family Protection

Family Protection insurance is a life insurance policy which pays a monthly benefit instead of a lump sum benefit in the event of your death. The benefit is paid in equal monthly amounts over a fixed period of 10 years.

The Multi-Benefit Discount levels and eligibility criteria are summarised below.

Eligible Policies

The Multi-Benefit Discount only applies to AIA Living insurance policies and benefits (e.g. Life Cover, Critical Conditions, Progressive Care, Severe Trauma, Income Protection, Total Permanent Disablement, Family Protection).

AIA Private Health policies are not eligible for the Multi-Benefit Discount.

Qualifying for the Discount

The discount is determined for each person separately. To qualify for the discount, you must have life insurance plus at least one other eligible benefit, subject to minimum cover criteria specified below.

Existing Sovereign TotalCareMax and AIA Real benefits may count towards the eligibility criteria required to qualify for the discount, but these policies will not receive the discount.

For the purposes of determining eligibility, benefits are grouped into the following categories:

Category	Benefits
Mandatory Category	Life insurance $100,000+
Optional Category A	Trauma insurance $75,000+
Optional Category B	Permanent disability insurance $75,000+
Optional Category C	Income protection insurance $24,000+ per annum

Mandatory Category

Life insurance of at least $100,000 comprised of:

a. Life Cover; or
b. Family Protection; or
c. Accidental Death; or
d. A combination of any of the above benefits.

For the purposes of determining eligibility based on Family Protection, the amount of Family Protection cover will be converted to an equivalent lump sum amount. For example, Family Protection cover of $1,033 per month for a fixed term of 10 years is equivalent to a lump sum of $100,000.

Optional Category A

Trauma insurance of at least $75,000 comprised of:

a. Critical Conditions; or
b. Progressive Care; or
c. Severe Trauma; or
d. A combination of any of the above benefits.

Optional Category B

Permanent disability insurance of at least $75,000 comprised of:

a. Total Permanent Disablement.

Optional Category C

Income protection insurance of at least $24,000 per annum comprised of:

a. Income Protection; or
b. Mortgage and Income Protection; or
c. Mortgage, Income or Rent Cover; or
d. Start-Up Income Protection; or
e. A combination of any of the above benefits.

Determining the Discount Level

The level of the discount will be determined as follows:

Categories	Discount
Mandatory Category + 1 Optional Category	10.0%
Mandatory Category + 2 Optional Categories	12.5%
Mandatory Category + 3 Optional Categories	15.0%

Examples

Assuming the minimum cover criteria are met, the following discount rates would apply:

• Life Cover + Critical Conditions: 10%.
• Life Cover + Income Protection: 10%.
• Family Protection + Progressive Care: 10%.
• Life Cover + Critical Conditions + Income Protection: 12.5%.
• Life Cover + Critical Conditions + Total Permanent Disablement + Income Protection: 15%.
• Critical Conditions + Income Protection: No discount (No benefits from the Mandatory Category).

Applying the Discount

The discount will be applied to all eligible AIA Living benefits, including other benefits that do not count towards the eligibility criteria such as Redundancy, Specified Accidental Injury Cover, Specialist and Testing Support, and Waiver of Premium.

The discount will not be applied to the policy fee (if any) or per mille premium loadings (if any).

Before your policy is issued, AIA will confirm the level of discount that you are eligible for. Your premiums will be adjusted to reflect any changes in this discount.

If the amount of cover and/or number of benefits you hold with AIA changes, AIA will re-calculate the discount and adjust your premium for your next billing due date.

Please refer to the Multi-Benefit Discount eligibility rules available at aia.co.nz for more information.

AIA reserves the right (subject to any applicable law) to cancel or modify the Multi-Benefit Discount for new and/or existing customers by posting updated Terms and Conditions at www.aia.co.nz. If AIA stops offering the discount to existing customers, you will be notified at least 90 days before the change.