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Make a claim

It’s our job to make any insurance claim process as easy and straightforward as possible, so you or your representative can simply call us on 0800 874 444 to start the process.

Our simple Life Cover claims process

1

Start here

Prepare the paperwork

Our Wellington based team will need a completed claim form and a copy of the death certificate and will (if one exists).

2

48 hours

Payout for the funeral

A Funeral Benefit payout of $10,000 will be made within 48 hours of your claim being accepted.

3

2 weeks

Payout of the remainder

The remaining amount of your Life Cover payout will be made within two weeks of your claim being accepted.

98% of claims assessed in 2014 were paid.

Life Cover

To claim a terminal illness benefit

Please provide us with:

    • Your doctor’s contact details so we can confirm your prognosis.
    • Proof of age (copy of passport, driver license, or birth certificate).
    • A completed claim form.

Making a Death Claim

Your representative will need to provide the date of death, cause of death, and contact details for the administrator of your estate. We’ll contact them to get the rest of the information we’ll need to process the claim, including:

  • A death certificate.
  • A copy of your will (if one exists) and other legal documents.
  • Your medical records.
  • A completed claim form.

Once we have these documents and have accepted your claim, we will pay out the money immediately to your estate or the person you’ve chosen to receive it.

Funeral Cover

We’re here to make sure your policy pays out as quickly as possible, and that the process is easy to follow.

If you need to make a claim on your policy, or a policy on which you are the representative or Joint Owner, please call us now on 0800 874 444.

Making a death claim

To make a death claim, your representative will need to provide the date of death, cause of death, and contact details for the administrator of your estate (if you haven’t specified a Joint Owner. If you specified a Joint Owner on your policy, payment will be made directly to them). We’ll contact them to get the rest of the information needed to process the claim, which includes:

  • a death certificate
  • a copy of your will (if one exists) and other legal documents
  • medical records (if requested)
  • a completed claim form

Making a terminal illness claim

If you have been diagnosed with a terminal illness at least two years after taking out your policy and have less than 12 months to live, please provide us with the following:

  • a completed claim form by the claiment and treating specialist

Once we have these documents and have accepted your claim, we will pay out the money immediately.

Cancer Cover

How to make a Cancer Care Insurance claim

You, or the person looking after your affairs, will need to contact us to inform us of your diagnosis so we can start the claim process. To make a claim, contact AA Life on 0800 874 444 or write to AA Life Claims, PO Box 894, Wellington, 6140.

We will let you know what evidence we require. The Policy Owner is responsible for the cost of providing this evidence.

We may need you to be examined by a doctor of our choice to assist with the assessment of your claim.

Payments under this policy will be made once:

(a) we have received the following:

  • properly completed claim form (please call us on 0800 874 444 and we'll provide you with the appropriate form for your needs);
  • proof of the condition for which the claim is being made; and
  • copies of all investigations performed which may include, but are not limited to, clinical, radiological, histological and laboratory evidence;
  • copy of your medical history for the purposes of assessing the claim; and

(b) we have confirmed you are eligible for a payment.

Please refer to the Cancer Care Insurance policy document for more information.

Accident Recovery

To make a claim, contact AA Life on:

  • Telephone 0800 874 444; or
  • Send us an email using our contact form; or
  • Mail AA Life Claims, PO Box 894, Wellington 6140.

You must tell us in writing of any Accident or Injury that you might put in a claim for as soon as possible.

We will tell you what evidence we require. The Policy Owner or your estate is responsible for the cost of providing this evidence.

When a claim for a Disability Condition is made we may require you to have 1 or more medical examinations at our expense.

Payments under this policy will be made when:

  • we have proof of your death if a death claim has been made, and
  • we have received a properly completed claim form (please call us on 0800 874 444 and we'll provide you with the appropriate form for your needs), and
  • we have acceptable evidence of the identity and legal title of the person making the claim, and
  • we are satisfied that the claim is legal and valid, and
  • we have received the information necessary for our assessment of the claim.

You can only be covered by one AA Life Accident Recovery Insurance policy issued by Asteron Life. If you have another AA Life Accident Recovery policy we will use the one with the earliest start date. We will cancel any later AA Life Accident Recovery Policy and return any premiums paid.

Mortgage Protection

How to make a claim

You, or the person looking after your affairs, will need to contact us on 0800 808 175 to inform us of your illness or death so we can start the claim process. For a claim on the terminal illness benefit, we'll need your doctor's contact details, so we can confirm your prognosis. We'll also need proof of age (passport, driver licence or birth certificate), the policy document and the completed claim form.

For a death claim, 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
  • proof of age - passport, driver licence or birth certificate
  • the policy document
  • 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.

Accidental Death

How to make a claim

The person looking after your affairs will need to contact us on 0800 874 444 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.

Have a question or need life insurance guidance?

Call us at 0800 808 234

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