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  • 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, scientifically-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, scientifically-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 download the AIA Vitality Fast Start Guide.
  • 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 and you can both enjoy a 5% joint policy discount when you both take out cover on the same policy.
  • 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 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
    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 over 40 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 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 2015 Smart Investor from the Australian Financial Review "Best term/ TPD product", 2015 ANZIIF Life Insurer of the Year and 2015 Money the best of the best – winner best term & TPD Insurance, 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 90 years’ experience.

As part of your MaxLife Life Insurance products you may get access to AIA Vitality - an award-winning health and wellbeing program. Eligibility criteria applies^



Select the right cover for you.