New baby on the way?

A baby changes everything in an instant. Amid the love, chaos and sleepless nights, one thing you can take care of today is protecting your family's future with Life Insurance.

Starting from as little as $10 per month for Life Cover depending on your circumstances.

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

 

 

baby booties with mobile phone showing Life Cover, Income Protection Cover,

AA Life Insurance and New Zealand Red Cross have come together to help parents and caregivers feel more confident and prepared when faced with life's unexpected moments.

Visit our dedicated page to explore practical advice, training and support designed to help keep your family safe.

As your family grows, so do the reasons to protect what matters most.

Life & Living Cover can provide valuable financial support if the unexpected happens. Choose the cover that suits your family’s needs and explore different 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.
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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.

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.

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).

Plus, get FREE access to a virtual health and wellbeing service for you and your family through AA Life Insurance Connected Care.

  • As an AA Life Insurance policy holder, you can receive online support for medical, mental health, and overall wellbeing, at no extra cost to your insurance premiums.
  • The local and global specialists are available to you and your family, which includes your partner, children, parents and parent-in-laws.
  • The consultation outcomes and results are confidential between the patient and the provider.

Your complimentary health services

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General and specialist medical advice

Connect with a NZ registered GP online, often as soon as one business day. Or access a specialist to review your diagnosis, treatment pathways and get a second opinion.

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Mental health support

Get connected to a leading mental health professional from the comfort and privacy of your own home.

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Nutritional and fitness wellbeing

Access qualified fitness specialists and registered dietitians to create goals with a plan to achieve them, including follow-ups.

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.

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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.

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

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