Simple life insurance from one of NZ's most trusted life insurance brands.

Life Cover from AA Life can make the hardest time just that little bit easier for those you love.

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Use our handy calculator to find out exactly what cover suits you best.

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› About Life Cover

Why choose Life Cover with AA Life?

One of NZ's most trusted life insurance brands


The Automobile Association has been an integral part of New Zealanders' lives for over 110 years, with over 1.4 million of us trusting the AA for great motoring assistance.



AA Life is a joint venture between the AA and Suncorp Group, one of the largest financial service providers in Australia. We’ve been voted as Most Trusted in the Life Insurance category on Reader's Digest Most Trusted Brand survey from 2013-2018 and Highly Commended in 2019.

We make it easy

You can apply online and it only involves a few easy questions. No complicated medical questions or health checks required.

You can try us risk free for 30 days

If you change your mind, you can cancel your policy within 30 days and we’ll refund 100% of the premiums you’ve paid.

Calculate Life Cover

Additional savings

  • AA Members get a 5% discount on new policies
  • You may also qualify for a 10% health and lifestyle discount depending on your answers to a few simple questions

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Our Life Insurance Policies

Choose from our range of policies and select the one that best suits your situation and budget.
› See all our policies

How does life insurance work? Three easy steps to be covered.  

  1. Select the product that's right for you
    Life Cover is our standard product that covers death, with an early payout for terminal illness.
  2. Select how much you need or can afford
    We have broken down cover into three levels – Clear all debts (debts and funeral), Simple provision (maintaining lifestyle and covering kids' education), Do something extra (leaving a legacy).
  3. See if you qualify
    Most people who apply get covered. Checking if you qualify only takes a few minutes and then you’ll know if you can get life insurance.

We’re on a mission to help you save money on life insurance

On the whole, Kiwis are underinsured – and we want to do something about that. We think most people should have at least the minimum cover to guard against the worst life can throw at us. Our goal is to help you understand why life insurance is important and provide comprehensive, easy-to-get cover.

› Hear from our customers

Cathy and Owen

“I want to make sure that anything to do with me is covered.”
– Cathy and Owen

Watch Cathy's story

Zoe Evans

“I had our other insurance with AA Insurance already and my Dad recommended them...”
– Zoe Evans

Read Zoe's story

David Bloomer

“AA Life’s policies were easy to follow, seemed pretty straightforward, and it was a good price.”
– David Bloomer

Read David's story

Do it online

Have a question or need life insurance guidance?

Call us at 0800 808 234

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