Life Insurance

From one of NZ's trusted life insurance brands


Life Insurance with AA Life

Life Insurance from AA Life can help make the hardest time a little easier for those you love. On the whole, Kiwis are under insured – and we want to do something about that. Our goal is to help you understand why life insurance is important and provide simple, easy-to-get cover. 

If you have people who depend on you for financial support, then it’s good to consider your life insurance options. If something happens to you, a payout could help the people important to you with things like mortgage repayments, living costs, or simply by leaving a legacy - depending on what level of cover you choose.

Get a quote      Retrieve a quote

Why choose AA Life


Get a Quick Quote online in under two minutes, and apply in around 15 to 30 minutes by answering a set of questions.


We aim to keep things as simple as possible. With us, there are no complicated medical checks on application and you’ll be protected from the moment your cover is confirmed.


As one of NZ’s trusted life insurance brands, we’re proud to take care of Kiwis’ insurance needs.


Our friendly Customer Care team are based here in New Zealand and ready to support you and help answer any questions.

AA Life Insurance Policies

Life Cover pays out a tax-free lump sum if you die or are diagnosed with a terminal illness, where $15,000 can be paid early to help with funeral costs.

Funeral Cover provides up to $30,000 and can be used to pay towards your funeral expenses and other associated costs.

Accidental Death Insurance covers you for death as a direct result of an accident, though not for death as a result of health issues.

Cancer Care Insurance gives you a lump sum of money to help you with financial stress that accompanies the diagnosis of certain types of cancer needing treatment

One of NZ's trusted life insurance brands, as voted by Kiwis

Kiwis like you have voted us Most Trusted in the Life Insurance category of the Reader's Digest Trusted Brand survey from 2013-2018 and Highly Commended in 2019.


Ways to save on your policy

We are always looking for ways to improve our products and make them more available for more AA Members and Kiwis alike.

  • There's a 5% discount available for AA Members on new policies**
  • If you take out more than one different type of policy at the same time you'll receive a further 5% multi-policy discount.
  • For Joint Funeral Cover, you'll qualify for a 20% discount

Request a call

Have a question for us?

Enter your details below and we’ll get in touch at a time that suits you. We’re open from 8am-6pm Monday to Friday.

Don’t worry, we don’t sell or share your private information.


AA Smartfuel’s online stores website ceased operating from 1 July 2016.

Please be assured that all other AA Smartfuel discounts from BP, GAS and our other participating retailers continue unchanged. See where to shop for the full list of current and ongoing AA Smartfuel retailers.

The application takes between 15 - 30 minutes to complete online.

You can add a beneficiary as part of the application process, or if you'd like to add one later, you can do so by completing the Beneficiary Form on our website, or getting in touch with us. Their details are loaded against your policy so that any payouts are made to them directly. We recommend you put some provisions in place on how you'd like payments to be administered i.e. organising a will, trustee or guardian.

You may be able to, but the terms of your policy may be changed. For instance, a premium loading may apply (this means that your premiums may be more expensive). Any exclusions or premium loadings are made clear to you as part of the application process before making a decision to purchase.

If you have been smoke-free for 12 months, you may be eligible for a premium decrease. Please contact us to discuss your individual situation.

We'll ask you to answer the questions we need to know now, so that we can be transparent on price and you can tick life insurance off your list more easily. We won't need you to follow up with further medical information or complete any medical checks - once it's done, it's done.

Our insurance partner

AA Life is a partnership between The New Zealand Automobile Association Incorporated (AA) and Suncorp Group New Zealand Limited. Asteron Life Limited is Suncorp New Zealand's specialist life insurer and underwrites AA Life's products.

Financial strength rating

Asteron Life Limited has been given an A+ financial strength rating by Standard & Poor’s.

Financial advice

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life that really matter. The information doesn’t take into account your personal circumstances, needs or goals and is not intended to be financial advice.

If you'd like to receive financial advice, you can get professional advice from an adviser who’s registered under the Financial Advisers Act 2008.