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AA Life Accidental Death

Be sure you’re covered in case of an accident

AA Life Accidental Death Insurance is a low cost alternative to term life insurance and is ideal for those who don’t want to pay as much in premiums or who don’t qualify for other life insurance policies on medical grounds.


 Cover for accidental death only

Accidental Death Insurance is not full life insurance. It pays out a lump sum if you die as a result of an accident. It doesn't cover you for death by natural causes and that's why the premiums are low.

 30-day no-obligation review

You enjoy a 30-day no-obligation review - if it's not what you expected or you change your mind we'll cancel your Accidental Death Insurance policy and refund any premiums paid.

 Guaranteed acceptance

Acceptance is guaranteed if you're 16-74 years old and a New Zealand resident. You do not need a medical, nor do you need to answer any medical questions.

 You can nominate a joint owner

This can be your partner, spouse or anyone you wish. When you die, the payment will be made directly to them instead of your estate, making the money quickly available.

 Immediate cover

Immediate insurance cover as soon as we receive your fully completed Accidental Death Insurance application form.

 Money is paid tax-free

It's a lump sum payout just like full life insurance. There is no income tax paid on the policy payout so you get the entire amount you are covered for.

 Reduction in cover

After your 75th birthday your benefit will halve until the policy ceases when you turn 85.

 Fixed premium

Accidental Death Insurance premiums never increase unless you choose to increase your level of cover.

 Length of cover

All cover will end when you turn 85.

Who it covers Guaranteed acceptance for New Zealand residents aged 16-74
Application process No medical questions
Coverage begins Immediate cover on acceptance
Coverage types Covers you for accidental death
Coverage term Covers you up to age 85
Payout amount Pays out up to $500,000

What's covered

What's covered

The main things that are covered are:

  • Death, as a result of an accident.

What's not covered

Please see the Accidental Death Insurance policy document for a full list of exclusions, but these are the main areas not covered:

  • Any death as a result of participating in a criminal or illegal act is not covered by this policy.
  • Death by suicide is not covered for the first 24 months of cover.
  • Some hazardous activities and sports are not covered.
  • You serving in the armed forces of any country or organisation.

Paying premiums

Premiums can be paid fortnightly, monthly (direct debit and credit card only), quarterly, half-yearly or annually by direct debit, credit card or cheque.


Making a claim

The person looking after your affairs will need to contact us on 0800 808 175 to inform us of your death so we can start the claim process.

We'll need the date of death, cause of death and contact details for the administrator of your estate, e.g. solicitor or a family member. We'll contact the administrator of the estate for any further information needed to process the claim, such as:

  • the completed claim form
  • the death certificate
  • your will (if you have one) - this will not be required if you have selected a second owner
  • any medical information
  • We may also require Probate or Letters of Administration (legal documents required if you have more than $15,000 worth of cover going to your estate).

Once these documents are received and the claim is accepted, it will be settled immediately. The payout will go to your estate or second owner, the person you've chosen to receive the payment.

Do it online

Have a question or need life insurance guidance?

Call us at 0800 808 234

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