Help & support
Should you pass away or become terminally ill, AIA Australia's Life Cover can help pay for expenses like your mortgage, debt, everyday bills or your children's education. Depending on your situation, you may also consider other types of life insurance like income protection, trauma cover and total and permanent disability (TPD) cover.
Apply online with no medical tests required.
Choose your cover amount and easily update your policy if your needs change.
When you apply online.
You can choose from Income Protection and Life Cover. You can also add Total and Permanent Disablement (TPD) and Crisis Recovery (Trauma) cover to your Life Cover policy. Each serve a different purpose:
Life Cover
Provides a lump sum payment if you pass away or are diagnosed with a terminal illness.
Total and Permanent Disablement (TPD) cover
Optional add-on to your Life Cover policy
Provides a lump sum payment to support you if you become totally and permanently disabled and are unable to work.5
Crisis Recovery (Trauma) cover
Optional add-on to your Life Cover policy
Provides a lump sum payment if you experience a specified traumatic health event2 such as a stroke, heart attack or cancer diagnosis.
Income Protection
Provides a monthly payment of up to 70% of your income if you're unable to work due to sickness or injury.1 Premiums may be tax-deductible.
We've partnered with AIA Australia to bring you life insurance that supports you and your family in times of need.
Over 3.1 million Australians trust AIA Australia to help them protect what matters most with over $2.6 billion paid in direct, retail and group life insurance claims in 2024.
Priority Protection is AIA Australia's suite of products that caters for a range of insurance needs including life, TPD, trauma and income protection insurance.
AIA Australia is committed to helping you make healthier lifestyle choices everyday with rewards along the way.
Be rewarded for a healthier lifestyle with AIA Vitality
Take out a policy for life insurance with an annual premium over $5403 and you can attach AIA Vitality. It’s a personalised, science-backed health and wellbeing program that incentivises you to move more, eat well and complete regular health checks.
Select 'Start quote with AIA' and choose your cover type, cover amount and features. Your quote will be generated instantly.
If you're happy with your quote, you’ll need to answer some questions about your health and lifestyle.
You'll find out if you're approved straight away. Then, all that's left to do is confirm your details and purchase your cover.
You can apply for AIA Australia’s Life Cover if you’re:
Entry ages:
Sum insured limits may vary depending on your age.
If you pass away or become terminally ill, AIA Australia’s Life Cover provides a lump sum payment for your loved ones to use as they wish. Your payment could help pay off a mortgage or other debts, or ease the burden of ongoing costs like school fees and everyday expenses.
A benefit is not payable for AIA Australia’s Life Cover in the event of death from suicide within 13 months after this benefit commences, is reinstated or increased (but only in relation to the increased amount) as shown in your Policy Schedule.
For more information on exclusions, specific definitions and how they apply to you, please refer to the Product Disclosure Statement (PDS).
Finding the right level of life insurance cover is different for everyone and depends on your circumstances. Things to consider when deciding how much cover you need may include your life stage, whether you’re a carer or parent, if you have any debt, and the ongoing needs of your family and loved ones.
Here are five questions to ask yourself before taking out life insurance.
For full terms and conditions, limits, definitions, exclusions and benefits please refer to the Product Disclosure Statement (PDS).
If you’re a member of an Australian superannuation fund, you may already have some default life insurance cover.
However, default life insurance cover within a superannuation plan typically only provides some of the life insurance you may actually need. It's important to find out what type of insurance you already have by either asking your superannuation fund or your employer before considering whether you need extra cover.
Depending on the product, your premium may be determined by your type and level of cover, benefit indexation (if chosen), health history, age, gender, smoking status and any discounts you may receive.
If you select the optional TPD cover, your premium will also depend on your employment situation and occupation.
You may also be required to take out a level of cover sufficient to meet the minimum premium. The premium amount also includes government charges such as stamp duty and taxes.
For any questions or claim enquiries, call AIA Australia on 1800 491 588, Mon–Fri, 9am–5pm (Syd/Melb time).
Find documents for Life Insurance and Income Protection policies provided by AIA Australia purchased before 17 November 2025.
Alternatively, an AIA Financial Wellbeing Planner can help you decide what cover is best suited to your personal circumstances and budget.
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1 Accident, Sickness, Illness, Injury, Total Disablement (Income Protection CORE) and Partial Disablement (Income Protection CORE) have specific meanings set out in the Product Disclosure Statement (PDS). Please refer to the PDS for a detailed description.
2 Trauma events have specific meanings, and a payment is only payable if you meet the precise meaning of the definition as set out in the PDS. You must read the entire PDS including the medical definitions section of that document.
3 AIA Vitality is provided by AIA Australia and the information on this page is provided by AIA Australia. Eligibility for membership to the AIA Vitality program arises under, and is subject to, the AIA Vitality Terms and Conditions. Access to the AIA Vitality program as a result of holding life insurance or income protection requires your annual premium on your Policy or combined annual premium on all life insurance and income protection policies to be equal to or greater than $540 per person
4 You can earn up to $260 in Active Benefits each membership year for reaching your personalised physical activity targets each week. You can also earn up to $500 in Shopping Rewards each membership year. Earn a Shopping Reward once you achieve Silver Status and for every 5,000 AIA Vitality Points you earn thereafter, up to 35,000 points each membership year. AIA Vitality partners, benefits and rewards are subject to change at any time. For the most up-to-date information and to view the AIA Vitality Terms and Conditions see aia-vitality-terms-conditions.pdf
5 TPD - Any Occupation definition: Provides a lump sum payment if you are unlikely to ever return to work in any occupation that is suited to your education, training or experience, after being continuously disabled for at least three months due to an Injury or Sickness. Please refer to the PDS for a detailed description.
Priority Protection provided by AIA Australia (Life Cover, Total and Permanent Disablement, Crisis Recovery and Income Protection), as described on this website, are provided and issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). AIA Australia is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of AIA Australia or the products it offers, and these insurance products do not represent a deposit with or liability of either CBA or any of its related bodies corporate.
The information on this page is intended to provide general information. It is current at the date of publication and may change. It has been prepared without taking into account your objectives, financial situation or needs and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should, before acting on this information, consider the appropriateness to your circumstances and needs and read the relevant product documents (Product Disclosure Statements (PDS), fact sheets, fund rules and terms and conditions) before deciding to acquire or continue to hold any of these products. For Priority Protection provided by AIA Australia (Life Cover, Total and Permanent Disablement, Crisis Recovery and Income Protection), you should refer to the relevant Product Disclosure Statements (PDS) before making a decision on the product. If necessary, you should consider obtaining advice from a financial, tax, medical or health professional.
AIA Australia has prepared Target Market Determinations (TMDs) which describe the class of consumers that comprise the target market for each cover type available for this product. The Target Market Determinations can be sourced at www.aia.com.au/tmds.
AIA Australia has adopted the Life Insurance Code of Practice, which contains minimum standards of service that customers can expect from insurers. The code can be found at aia.com.au/en/about-aia/about-us/industry-standards.
For any questions about these products, call AIA Australia on 1800 491 588, Mon–Fri, 9am–5pm (Syd/Melb time). Neither CBA nor any of its related bodies corporate are authorised representatives of AIA Australia. For more information on the financial services CBA provides, you should read CBA's Financial Services Guide and Privacy Policy. If you purchase a Priority Protection policy, CBA is paid a commission by AIA Australia which is a percentage of your premium.
