Grand gestures of love can bring surprise and joy, but it’s the little everyday things that make us feel secure and cared for. So often, we’ll look back and realise they were actually the big things and arranging Life Cover fits squarely into this category. It may seem like a little thing now, but it’s one of the greatest expressions of love you can make, ensuring your family’s protected for whatever happens.
Show your love today and get a $100 Prezzy® Card.1 T&Cs apply. Offer ends 31 March 2026. To redeem, use promo code PREZZY26.
Plus, there's a 5% discount available for AA Members on new policies.2
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
More Information
1Take out a new Life Cover or Funeral Cover policy from 9 February to 31 March 2026 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 PREZZY26 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.
25% AA Member discount available when you provide your valid AA Membership number on application.5% AA Member discount available when you provide your valid AA Membership number on application.
To access Teladoc Health services via AA Life Insurance Connected Care (“the Portal”) at no extra cost, your AA Life Insurance policy must be in-force. The New Zealand Automobile Association (Incorporated) (‘AA’) reserves the right to withdraw or modify the terms of access to AA Life Insurance Connected Care at any time. Teladoc Health Australasia Pty Limited (“Teladoc Health”) is responsible for the provision of the Portal, all health advice provided via the Portal, and Teladoc Health may suspend or terminate your use of the Portal at any time. Asteron Life Limited and AA disclaim any liability in relation to health advice provided by Teladoc Health to users of the Portal, and for any loss, claim, cost, liability, expense, or injury suffered by any person as a result of the services provided by Teladoc Health or the information or content appearing on the Portal website, except where such loss cannot be excluded by law. The Portal is not insurance (including medical insurance), and it does not replace your relationship with your treating doctor or primary healthcare practitioner. Dental and emergency conditions are excluded from the services provided via the Portal. Please review the full Portal terms and conditions, here. Mental Health Navigator, Mental Health Clinician and Nutrition and Fitness Consult are only available to people who are aged 18 years and over and are residing in New Zealand.
Over the last 11 years, AA Life Insurance has been voted Most Trusted Brand eight times and Highly Commended three times in the life insurance category of the Reader’s Digest Most Trusted Brands survey. AA Funeral Insurance has also been voted Most Trusted brand from 2021-2025 in its respective category.