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• Are any terminal illnesses excluded from Life Cover?

  Human Immunodeficiency Virus (HIV) or Acquired Immunodeficiency Syndrome (AIDS) are excluded.

• What is life insurance?

  It’s where an insurance company agrees to pay you an amount of money if you die or become terminally ill. In return you pay the insurance company regular, often monthly, amounts called premiums. This is how the Life Cover policy from AA Life works.

• What should I look out for when buying life insurance?

  You need to be comfortable that you’re with an insurance company that you can trust to pay out on your claim. All New Zealand licensed insurance companies must have a financial strength rating and this can be a good indicator of their ability to pay out on claims. Most importantly however, you should understand your requirements and the amount of cover you need. Use the tools and calculator on this website or seek advice from an independent insurance specialist or resource such as sorted.org.nz. It is also important to understand the terms and conditions of the policy you choose.

• What are financial strength ratings?

  Financial strength ratings are a measure of an individual insurance company’s ability to meet its obligations to pay claims. Asteron Life Limited, which provides and underwrites AA Life policies, has been given an A+ financial strength rating by Standard and Poor's. The outlook is Stable.

• Can I make my child my beneficiary?

  Yes. We can send you a nominated beneficiary form to fill out with your beneficiary’s details. Their details will be loaded up with your policy and any payouts will then be made to them.

• Can I change the amount I’m covered for?

  Yes, you can reduce your cover at any time. If you want to increase your cover, Please contact us and let us know.

• If I cancel can I get my money back if I paid in advance?

  Yes, we will refund a proportion of the premium, depending the date of cancellation. For example, if you pay an annual premium in January and you cancel in June, we’ll refund your premiums from June until December.

• How long does the application process take?

  It should take less than 30 minutes.

• Is there a “cooling off period” during which I can cancel and get my money back?

  Yes, there is a 30-day, no-obligation review period. If the product is not what you expected or you change your mind we'll cancel your policy and refund any premiums paid.

• How long does the application process take?

  It should take less than 30 minutes.