Life insurance

Life insurance is not just about what happens when you die, it’s also about what happens while you live.

MaxLife Life Insurance

MaxLife life insurance is issued by AIA Australia, one of the country’s leading life insurers*

You can choose from two comprehensive products – MaxLife Life Protect and MaxLife Income Protect.

MaxLife life insurance products also give you access to AIA Vitality – a health and wellbeing program that rewards healthy living and lets you get more from your life insurance. Eligibility criteria applies^.

MaxLife insurance products

MaxLife Life Protect

  • Pays up to $1 million in the event of death or a Terminal Illness diagnosis
  • Optional Trauma and Total and Permanent Disability cover
  • $15,000 advance payment in the event of your death to assist your family with immediate expenses such as funeral costs
  • 5% joint policy discount
  • Access to AIA Vitality, the personalised, scientifically-backed health and wellbeing program, including a 10% policy discount if you maintain a Vitality status of Silver or higher^^. Eligibility criteria applies^.
  • Simple application and immediate cover once the application is accepted.
  • Worldwide cover whilst temporarily travelling abroad
  • Optional Children’s Trauma cover

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MaxLife Income Protect

  • Cover up to 75% of your income, to a maximum of $10,000 per month
  • Total Disability cover
  • Specific Injury cover for accidents only
  • 5% joint policy discount
  • Access to AIA Vitality, the personalised, scientifically-backed health and wellbeing program, including a 5% policy discount if you maintain a Vitality status of Silver or higher^^. Eligibility criteria applies^.
  • Premium waiver benefit
  • Premium pause benefit
  • Simple application and immediate cover once the application is accepted
  • Worldwide cover cover whilst temporarily travelling abroad

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Financial planning advice to help you

Services are provided by Bendigo Financial Planning Limited

If you’d like help to work out the type of insurance you need and for what amount, our financial planners can assist.  They have specialist understanding of personal, business and family protection for:

  • Life insurance
  • Total and permanent disablement
  • Trauma cover
  • Income protection cover
  • Business owner’s insurance

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Use your super

Life insurance as part of your superannuation

SmartStart Super issued by Sandhurst Trustees Limited

The main benefit of getting life insurance through your superannuation is that you don’t need to pay for it from your cash flow – your insurance premium is deducted from your super.

When you join SmartStart Super, if eligible, you’ll automatically receive some Death and Total & Permanent Disablement (TPD) insurance.

For more information on your insurance options, read our Insurance Guide or call us on 1800 033 426.

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Frequently Asked Questions

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 help protect the financial health and welfare of more than three 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.

What is AIA Vitality?

AIA Vitality makes your insurance more than just protection – it’s a personalised scientifically-backed program that supports you every day to make healthier lifestyle choices. It shows you how healthy you are now, provides the tool to start improving your health right away, and offers rewards to keep you motivated along the way. Eligibility criteria applies^.

With AIA Vitality you’ll also receive up to 10% off your MaxLife insurance premiums when you get to AIA Vitality Silver status or higher^^.

Find out more

Am I already covered by my superannuation fund?

If you are a member of a superannuation fund you might already have some life insurance cover. However, the type of cover or the level of cover within your super fund may be less than the insurance cover you actually need. It’s important to find out what type and level of insurance you have, you can do this by asking your super fund. Then you can assess where you stand, and decide whether you need extra cover.

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 to determine your premiums.

Can I increase or decrease my cover after I have taken it out?

Yes, you can increase or decrease your cover. Conditions apply, so contact us to find out more.

Can I nominate who receives the benefit under my policy?

Yes, if you are the Policy owner you will be asked if you would like to nominate a beneficiary or beneficiaries under your policy when you apply for cover. You can nominate up to 5 persons to receive your benefit and the percentage of benefit they each receive.

^ Access to AIA Vitality is governed by the terms and conditions of the program. To be eligible to join the AIA Vitality program your annual premium needs to be equal to or greater than $750 per person per policy.

^^ Reach AIA Vitality Silver status or above and you’ll get up to 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.

*MaxLife life insurance products form part of the Bendigo Life® suite of products. The Bendigo Life suite of products are 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 Bendigo Life suite of products only; it does not sell, issue or guarantee these products.