CommBank and AIA

  • At CommBank, we realise the importance of financial advice. We’ve expanded our partnership with AIA so that CommBank customers can receive financial advice from AIA Financial Wellbeing (AIAFW). 

    This means you can receive financial advice from AIAFW for your protection, superannuation and wealth planning needs, across a range of product providers. Whether you just need basic guidance for life’s most common questions – or a highly structured financial plan.

    And the earlier you start planning, the sooner you’ll be on track to achieve your financial and lifestyle goals. The small choices you make today can have a big impact over time.

    Simply pay for the advice you receive, whenever you need it. And when life changes, you can decide to get more advice - it's up to you.

Why AIA Financial Wellbeing?

AIAFW is part of AIA Australia. With almost 4 million customers, AIA Australia have been protecting the lifestyles of Australians since 1972. 

AIAFW focuses on helping all people reach their life goals – from working singles, to couples and families. They can help you make everyday financial decisions, because even the small choices you make today can have a big impact over time.

Advice the way you want it, when you need it

  • Meet your way

    • Chat to your planner in person, by phone or via online video, at a time that suits you
    • Call 1800 430 999 for an initial discussion or request an obligation-free callback

    Request a callback

  • No hidden costs

    • Fees start from $440 including GST
    • Pay for the advice you receive - no long-term commitment
    • You can go back to your AIAFW Planner for more advice if your circumstances change
  • Decisions big or small

    • Get advice that helps you with today's financial decisions, or a long-term financial plan, if you need one

Ways to reach your financial and lifestyle goals 

Discover how you can protect and grow your assets at different stages of life.

You’re just starting out

You might be beginning a family, buying a first home, or are on your way to launching a career. Your advice might include:

  • How to get out of debt
  • Drawing up a budget
  • Creating a savings plan
  • Sorting out super
  • Protection needs

Building wealth - single

You’re still in the workforce, and want to keep building wealth. Your advice might include:

  • Creating an investment portfolio
  • Growing your wealth
  • Protecting what matters
  • Staying on top of debt

Building wealth – couple

You're working towards creating a financially secure future with your partner. Your advice might include:

  • Managing cash flow
  • Growing your wealth
  • Protection needs
  • How to get out of debt

Building wealth - family

You want your hard work to pay off – by protecting your assets and making wise investment decisions. Your advice might include:

  • Investment strategies
  • Super rollover
  • Education savings plan
  • Estate planning advice
  • Maximising super
  • Protection needs

Getting through a divorce

You want to recover your financial security and adapt to a single income. Your advice might include:

  • Investing for the future
  • Protecting what matters
  • Setting new financial goals
  • Taking control of cash flow

How it works

Your AIAFW Planner will talk to you to understand your needs and discuss how advice may benefit you. 

1. Understanding your situation and goals

You’ll start by talking on the phone with a team member at AIAFW, where you’ll outline your current position and financial and lifestyle goals. 

AIAFW may also:

  • discuss, or invite you to apply for, health insurance
  • offer general advice in relation to life and income protection products and invite you to apply for these products
  • offer you the ability to subscribe to their quarterly financial education newsletter. 

2. Meeting your AIA Financial Planner

Next, a financial planner will meet with you to discuss your needs and path forward.

If you proceed further, you’ll pay an agreed advice fee which is dependent on your discussed needs.

3. Building your tailored financial plan

With your financial planner’s advice and further research, your personalised plan will be prepared, called a ‘Statement of Advice (SoA)’.

4. Your Statement of Advice (SoA)

Your planner will talk you through their recommendations in the SoA. If you’re satisfied, your financial plan is put into place.

You’re all set!

Once your advice is in place, you can seek further help as you need it to keep up with changes in your life.

A guide to costs

  • Your first appointment with an AIA Financial Planner is all about understanding your goals and current position – to explore how financial advice may benefit you, and your unique circumstances. For this reason, you're not charged for this appointment. Costs will be clearly explained upfront so you can decide what you'd like to do, before going ahead.

    The fees are carefully scaled, depending on the complexity of the financial advice you need. They range from around $440 to $3,630 (including GST).

    It’s then up to you to decide whether you would like to receive advice from AIAFW.

    Commonwealth Bank does not receive any commissions from AIA Financial Wellbeing for referring you.

Book your first appointment

The AIA Customer Service Team is here to help.
Call 1800 430 999 between 9am - 5pm AEDT, Monday to Friday or request an obligation-free callback.

Request a callback

Looking for Commonwealth Financial Planning?

  • On 26 October 2021, we announced that Commonwealth Financial Planning would be closing. However, we’ve expanded our partnership with AIA Australia (AIA), so our customers with protection, superannuation and wealth advice needs can continue receiving financial advice through AIA Financial Wellbeing. For more information, visit AIA Financial Wellbeing.

    If you'd like to explore more advice options outside of AIA Financial Wellbeing, or you have more complex advice needs, visit the Moneysmart website and search for ‘Choosing a financial adviser’. This includes useful information to help you find the right financial planner for your needs.

Things you should know

  • The examples provided are for illustrative purposes only. This website contains general advice. It does not take account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you, having regard to your objectives, financial situation and needs before you act on the information. Also, before you make any decision about whether to acquire a financial product or any other product, you should read the relevant Product Disclosure Statement or, where applicable, supporting product documentation. You should also consider talking to a financial planner to assist you in this process. 

    Before you make any decision about whether to acquire financial advice services from AIA Financial Wellbeing, you should read the Financial Services Guide issued by AIA Financial Wellbeing.

    This website has been prepared by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (Commonwealth Bank). AIA Financial Wellbeing is operated by AIA Financial Services Pty Limited ABN 68 008 540 252 AFSL 231109 (AIA Financial Services), a subsidiary of AIA Australia Limited ABN 79 004 837 861 AFSL 230043 (AIA Australia). Commonwealth Bank has a referral arrangement with AIA Financial Wellbeing to provide advice to Commonwealth Bank customers on life insurance and simple wealth needs across a range of financial solutions from different providers. AIA Financial Wellbeing, AIA Financial Services and AIA Australia are not part of the Commonwealth Bank Group and Commonwealth Bank does not guarantee and is not responsible for the financial advice provided by AIA Financial Wellbeing, the performance of products recommended by AIA Financial Wellbeing or the obligations of AIA Financial Wellbeing, AIA Financial Services and AIA Australia. 

    Commonwealth Bank does not receive any commissions from AIA Financial Wellbeing for referring you.

    Links or references to material on external sites are provided for your convenience only and inclusion does not represent endorsement of the external providers.