Precious moments can happen at any time and in any place, whether it's watching a sunset, spending time with loved ones or simply enjoying your first coffee of the day. They matter because they remind us of what's truly important in life. That’s why helping to protect your family’s future financial security with AA Life Insurance is so important. It lets you get on with enjoying those moments knowing that, should life take an unexpected turn at any time, they’re in safe and trusted hands.
Get your cover sorted today. Sign up to AA Life Insurance and use promo code GIFT2025 to get a $100 Prezzy Card. T&Cs apply1. Offer ends 6 July.
Plus, there's a 5% discount available for AA Members on new policies2.
Why consider life insurance?
Life Insurance can help make the hardest time a little easier for those you love. On the whole, Kiwis are underinsured – and the AA Life Insurance team 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.
Why choose AA Life Insurance
Quick
Get a Quick Quote online in under two minutes, and apply in around 15 minutes by answering a set of questions online, over the phone, or at an AA Centre.
Simple
We aim to keep things as simple as possible. With us, there are no complicated medical checks and you'll be protected from the moment your cover is confirmed.
Trusted
With AA Life Insurance being one of NZ's trusted life insurance brands, we're proud to take care of Kiwis' insurance needs.
Supportive
Our friendly team based here in New Zealand are 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.
FAQs
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 Insurance policies are brought to you by the New Zealand Automobile Association Incorporated and underwritten by Asteron Life Limited.
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.
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 registered financial adviser.
QUICK LINKS
5% AA Member discount available for new policies.
Terms and conditions apply.*
More Information
*5% AA Member discount available when you provide your valid AA Membership number on application.
^AA Life Insurance has been voted by New Zealanders as NZ's Most Trusted Life Insurance Brand in 2013, 2014, 2015, 2016, 2017, 2018, 2020, 2021, and 2022; and Highly Commended in 2019 and 2023 Reader's Digest Trusted Brands survey.
1Take out a new Life Cover or Funeral Cover policy from 12 May to 6 July 2025 and get a $100 Prezzy card. You must have paid for the first two months of premiums for the new policy to qualify for the offer. The policy must be in force for two months before the card is processed. Use of the promo code GIFT2025 is required. Limit of 1 Prezzy card per policy. This offer is not available for renewing policies. For full terms and conditions please see here. You will not be eligible if your Life Cover or Funeral Cover policy, underwritten by Asteron Limited, was cancelled within three months prior to the Offer Period.
2AA Members can receive a 5% discount on new AA Life Insurance policies when a valid AA Membership number is provided on application.