Call:  1800 506 080

Question

How much cover do I need?
Finding the right level of life insurance cover is different for everyone and depends on your own individual circumstances. Things to consider when deciding how much cover you need may include; what stage of life you are at, whether you have dependents, what level of debt you have and the ongoing needs of your family and loved ones. 

Our life insurance needs calculator can help you estimate the level of cover you may need.
Am I already covered by my superannuation fund?
If you are a member of an Australian superannuation fund you might already have some life insurance cover.

However, typically default life insurance cover within a superannuation plan only provides a fraction of the life insurance you actually need. So it’s important to find out what type of insurance you already have by either asking your superannuation fund or your employer. Then you’ll know where you stand, and whether you need extra cover. One thing to note: Australian superannuation plans don’t normally include serious or critical illness insurance.
What factors may affect my insurance premiums?
Depending on the product you choose, your premium may be determined by your type and level of cover, age, gender, smoking status, occupation and working status, the benefit and waiting periods and any discounts you may receive. 

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.
Do I need a medical check-up or blood test to be accepted?
You don’t need to have any medical examinations or blood tests to take out a MaxLife policy. However you may be asked some questions about your health and medical history.
When does my cover start?
You are covered as soon as we accept your application. This is known as your Policy Commencement Date and is shown on your Policy Schedule.
  
We will send you a Policy Schedule, which will outline your accepted benefits, Sum Insured, Policy Commencement Date and each cover’s Expiry Date.
What is AIA Vitality?
AIA Vitality is a personalised, science-backed program that supports and rewards you for being healthy. Being part of AIA Vitality gets you access to great discounts on travel, gym memberships, fitness devices and healthy-eating programs to make getting healthy easy.
 
Eligilibility criteria applies.^ Find out more about AIA Vitality
How does AIA Vitality work?
AIA Vitality is a personalised, science-backed program which takes you on a personal pathway to better health: you get to know your health, find out ways to improve it and enjoy the rewards for doing so.

  • Complete your AIA Vitality Health Review to discover the state of your health. AIA Vitality members can earn AIA Vitality Points for completing this.
  • Based on your Review, AIA Vitality suggests personal health goals. You select which of the recommended goals you would like to set. Using AIA Vitality partners to help you reach those goals will earn you points along the way.
  • Getting healthier earns you the rewards. The more points you earn, the greater the rewards you get to enjoy.
  • To find out more about how AIA Vitality works and how easy it is to start earning points go to AIA Vitality.
How do I access AIA Vitality?
To access AIA Vitality and its benefits, you will need to purchase an eligible MaxLife life insurance policy and then simply activate your AIA Vitality membership. Eligibility criteria applies.^ Details on this are provided when you purchase a MaxLife Life Insurance Product.
Am I covered if I go overseas?
Yes, you are covered 24 hours a day, 365 days a year. However you must be residing in Australia at the time of application and when you receive the Product Disclosure Statement and Policy Document. Also keep in mind, your policy may not cover you in certain circumstances, for example death or injury due to war.
Can my partner apply as well?
Yes, your partner can apply for a separate policy and you can both enjoy a 5% Partner discount when you both take out cover with MaxLife.
How do I pay my insurance premiums?
To make it easy for you, you have the option of making your premium payment fortnightly, monthly or annually either by credit card or direct debit – allowing you to pay you premium in the way that best suits you.
What if I change my mind?
For whatever reason, you might change your mind about your policy. That’s why there is a 30-day cooling-off period, where you can cancel your policy and receive a full refund.

To cancel your policy within the cooling-off period, please contact the Customer Service team by emailing customerservice@maxlifeinsure.com.au or phoning 1800 660 137 or writing to:

MaxLife Customer Service
PO Box 6143, Melbourne VIC 3004
                         
The cooling-off period starts from the earliest date of the date you receive your policy documents from us or the end of the fifth day after we send these documents to you.
 
There’s just one exception: the cooling-off period automatically ends if you make a claim. 
How do I make a claim?
We understand that making a claim can be a difficult and emotional time and we are here to ensure that you get the assistance you need to make the process as straightforward as possible.
 
In the event of a claim, follow these simple steps.
  1. Call or email us for a claims form:

    Phone:  1800 660 137
    Email:  claims@maxlifeinsure.com.au
  2. Mail your completed claims form to:

    MaxLife Claims Team
    PO Box 6143
    Melbourne VIC 3004
To process the claim we may need additional information. We may ask for medical documents or other information, for which the person making the claim may need to pay.
 
Once we have received all relevant information and the claim has been approved by us, the Insured’s benefit will be paid.
Can I increase or decrease my cover after I have taken it out?
You can decrease your cover (subject to the minimum Sum Insured or premium requirements) at any time by contacting us.
  
You can apply to increase your cover (up to the maximum amount allowed for your age) at any time. To increase your cover you may need to answer some additional health and lifestyle questions.
Can I nominate who receives the benefit under my policy?
Yes, if you are the Policy Owner then when you apply for Life Protect cover you will be asked if you would like to nominate a beneficiary or beneficiaries should you die. You can nominate up to 5 persons to receive your benefit and the percentage of benefit they each receive.
Who is AIA Australia?
AIA Australia Limited is an independent life insurance specialist with nearly 50 years of experience building successful partnerships. One of the country’s leading life insurers, AIA Australia offers a range of products that protect the financial health and welfare of more than 3.5 million Australians.
  
AIA Australia is the country’s largest group life insurer by market share and works closely with major financial institutions and corporate partners to provide life insurance solutions for their customers.
  
In addition, AIA Australia offers retail insurance products through financial advisers and a valued network of affinity partners.
  
By having a partnership philosophy at the core of its business, AIA Australia is focused on building genuine relationships and delivering real value to its business partners. Numerous industry awards over the past year, including the Insurance Asia Awards – International Insurer of the Year (Australia) 2020, iSelect – 2019 Insurer of the Year and winner of Super Review 2019, 2018, 2017, 2016, 2015 – Best Insurer of the Year, stand as testament to our commitment to building real partnerships.
  
AIA Australia is part of the AIA Group, a market leader in life insurance across the Asia Pacific region with over 100 years’ experience.
* By market capitalisation as at June 2022, Statista. 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 requires your annual premium to be equal to or greater than $750 per person per policy.

** Discounts are applied multiplicatively.

# Quote as at 10 June 2022 for 39 year old, non-smoking male for $500,000 life cover and includes the 10% online discount. Premiums may vary depending on lifestyle and health risk factors.

‡ To be eligible for the Partner discount, you and your Partner must be living at the same residential address. The discount will continue to apply whilst both eligible policies remain in place. For discount terms please refer to the PDS.

† Both MaxLife policies must insure the same person (same name, date of birth and address must be listed on both policies). If you qualify, the discount will be applied to eligible policies. The discount will continue to apply whilst both eligible policies remain in force. For discount terms please refer to the PDS.

^ To qualify for the 5% Life and Health Discount on your MaxLife policy, you must hold both an eligible AIA Health Insurance Policy purchased through a non-bank aligned AIA Health partner and an eligible MaxLife policy. Both the AIA Health and MaxLife policies must insure the same person (same name and date of birth must appear on both policies) and have a common mailing address listed.

^^ Reach AIA Vitality Silver status or above and you'll get up to 10% off your MaxLife Life Protect or MaxLife Income Protect premium at your next Policy Anniversary Date. Maintain AIA Vitality Silver status or above to keep the discount each year.

The MaxLife suite of products is distributed by AIA Financial Services Pty Limited ABN 68 008 540 252, AFSL 231109, including through its authorised representatives, and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL 237879 (Bendigo Bank) is a distributor of the MaxLife suite of products only; it does not sell, issue or guarantee these products.

Descriptions of product benefits and features are a summary only. Other terms and conditions also apply as described in the relevant Product Disclosure Statement available on this site. The information on this website is current as at 1/07/2022 and may be subject to change. This website contains general advice only and has been prepared without taking into account the objectives, financial situation or needs of any individuals. You should consider the appropriateness of the information contained on this website before acting on it. You should consider the relevant Product Disclosure Statement and read the Target Market Determinations (TMD) at aia.com.au/tmds, when deciding whether to acquire or continue to hold a financial product.

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 www.fsc.org.au.

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 https://www.aia.com.au/en/individual/aia-vitality.html