search
Login
Login
A pair of small brown fleece-lined baby booties sits beside a smartphone on a light-colored tabletop. The phone displays a yellow life insurance screen with three checked coverage options: “Life Cover,” “Income Protection Cover,” and “Serious Illness Cover.” Warm sunlight casts soft shadows across the surface, including star-shaped shadows near beige curtains in the background, creating a calm, family-focused atmosphere.

Ready for life's changes?

Get confidence and support when it matters most
Get a quote
Call us 0800 225 433

From growing your family to buying your first home, life’s big moments are worth protecting.

Discover AA Life Insurance’s range of cover and get a quote online in minutes.

Now is the time to get Life & Living Cover sorted

Select the covers that match your needs. People combine different types of cover - you can explore various combinations when you get a quote. 

An open blue velvet ring box containing a diamond engagement ring sits beside a smartphone on a light-colored surface. The phone displays a bright yellow life insurance screen with a large checkmark and the text “Life Cover.” Soft natural light casts gentle shadows across the scene, including the silhouette of flowers in the background, creating a warm and elegant atmosphere associated with significant life milestones and future planning.

Financial support if I die

✓ Life Cover 

Lump sum payment if you die or are diagnosed with a terminal illness (as defined in the policy), so your loved ones have financial support when they need it most.

Learn more
Top-down view of a smartphone displaying a life insurance app on a bright yellow screen with a floating “Income Protection Cover” confirmation badge. A set of house keys with a blue house-shaped keyring lies beside the phone, while stacked cardboard moving boxes sit in the background. Soft natural light casts gentle shadows across the light-colored surface, creating a clean and modern insurance-themed scene focused on homeownership and financial protection.

Replace my income if I can't work

✓ Income Protection Cover

Monthly financial support for you and your loved ones if illness or injury stops you from working.

Learn more
Top-down view of a minimalist tabletop scene featuring a smartphone with a bright yellow life insurance app screen and a floating "Serious Illness Cover" confirmation badge. Two white envelopes sit beside the phone, along with two clear glasses of water. Soft natural light casts gentle shadows across the light-colored surface, creating a clean and modern insurance-themed setting.

Financial support if my health changes unexpectedly

✓ Serious Illness Cover

Lump sum payment if you have a heart attack or stroke, are diagnosed with a specified cancer, or become seriously incapacitated (as defined in the policy).

Learn more

✓ Funeral Cover 

Help your loved ones with funeral expenses when the time comes. 

Learn more

✓ Cancer Care Cover

Lump sum payment if you're diagnosed with certain cancers that require major treatment or are incurable (as defined in the policy).

Learn more

This is a summary only. Please refer to the policy wording for terms, conditions and exclusions.

Why choose AA Life Insurance?

Five circular benefit icons displayed in a row. The first yellow icon shows “5% AA Member discount*”. The second light blue icon shows “99.6% of claims paid out^”. The third blue icon shows an online application symbol with the text “Simple online application”. The fourth dark blue icon shows a headset symbol with the text “NZ based support”. The fifth dark blue icon shows a stethoscope symbol with the text “Virtual health support”.Receive complimentary access to AA Life Insurance Connected Care, a virtual health and wellbeing service. It connects you and eligible family members with New Zealand GPs, global medical specialists, mental-health professionals and more. Each icon is outlined with a black circular border.
AA Life Insurance benefits: member discount, claims payout rate, online application, NZ-based support, and virtual health support

 We help New Zealanders take care of what matters, on the road, and in life.

*Provide a valid AA Membership number at time of purchase. Discount applies to the total premium. 

^AA Life Insurance claim acceptance ratio Jan–Dec 2025 for Life, Cancer Care, Funeral, and Accidental Death Cover.

consumer_people_choice_2026

Proud winner of the Consumer People’s Choice Award 2025

AA Life Insurance is proud to be a Consumer People’s Choice Award winner 2025, an award recognising products and services that stand out for customer satisfaction — as voted by New Zealanders.

Got questions about life and living cover?  

Watch our recent webinar to get the lowdown, with helpful insights and practical guidance to make things a little clearer.

Learn more

Need more help?

PZ AA Life

Our insurance partner 

AA Life Insurance policies are distributed by the New Zealand Automobile Association (Incorporated) (AA) and provided and underwritten by Asteron Life Limited. You should consider the appropriate policy wording before making any decisions about any policy you decide to purchase. Terms and Conditions, Limits and Exclusions apply

Financial strength rating 

Asteron Life Limited has been given an  "A+" (Strong) financial strength rating by Fitch Australia Pty Ltd (Fitch), an approved ratings agency.  The scale that this rating forms part of is available for viewing at Asteron Life Limited's New Zealand offices.

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 specific financial situation, 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 a financial adviser.

More information

Policy wording

Terms and conditions

AA Life Insurance Connected Care

Blog

Complaints process

*Provide a valid AA Membership number at time of purchase. Discount applies to the total premium. 

The information on this page refers to the currently on sale product.