Life Insurance

We're proud to be one of NZ's trusted life insurance brands^


 Call us on 0800 808 234

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.

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Why choose AA Life Insurance


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.


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.


With AA Life Insurance being one of NZ's trusted life insurance brands, we're proud to take care of Kiwis' insurance needs.


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.

How life insurance can help your family

Finding comfort in home and whānau

Faced with a devastating terminal cancer diagnosis in March 2022, Muri Paekau-Richards found comfort in having the option to return to her papa kāinga and spend time with the people she really loved. “If you don’t have insurance” she said at the time, “your options are undeniably limited”. This is her story.

Read Muri's Story

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

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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.

By requesting a call, you consent to your information being shared in accordance with the NZAA Privacy Policy and the Asteron Life’s Privacy Statement.


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+ 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 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.

More information

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Complaint Process 

*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.