AA Life Insurance Review 2025

New Zealand's #2 ranked life insurance provider. Quick online applications with AA member benefits and 24/7 customer support.

Get AA Insurance Quote Compare vs Southern Cross

Market Ranking

$1.5M

Max Coverage

690

Monthly Searches

24/7

Customer Support

Why Choose AA Life Insurance

AA Member Benefits
Exclusive discounts and benefits for AA members
Quick Online Process
Fast application and quote process online
Flexible Payment Options
Monthly, quarterly, or annual premium payments
Trusted Brand
Over 100 years serving New Zealand families

Quick Quote Estimate

Age 30, $500k coverage:~$42/month

Age 40, $500k coverage:~$68/month

Age 50, $500k coverage:~$125/month

AA Member Discount Available

*Estimates only. AA members may receive additional discounts.

Get Personalized Quote

AA Life Insurance Products

Term Life Cover

Coverage from $25,000 to $1,500,000
Level or decreasing term options
Quick online application
Terminal illness benefit optional

From $30/month

Based on age 25, $250k coverage

Mortgage Protection

Coverage decreases with mortgage balance
More affordable than level cover
Protects family home
Fixed premiums available

From $25/month

Based on $400k mortgage, age 30

Exclusive AA Member Benefits

Member Discounts

Special rates and discounts available exclusively for AA members

Fast-Track Service

Priority processing for AA members' applications and claims

Bundling Benefits

Additional savings when combined with AA car insurance and other products

AA Life Insurance: Pros and Cons

Advantages

✓ #2 market position and strong brand
✓ AA member exclusive benefits
✓ Quick and easy online applications
✓ 24/7 customer support available
✓ Flexible payment options
✓ Over 100 years of experience
✓ Competitive premiums

Considerations

× Maximum coverage lower than some competitors
× Best benefits require AA membership
× Medical exams required for higher amounts
× Terminal illness cover is optional (extra cost)
× Limited guaranteed acceptance options

What Customers Say About AA Life Insurance

5/5

"The online application was incredibly easy and quick. As an AA member, I got a great discount on my premiums. Customer service was helpful throughout the process."

- Sarah M., Auckland

4/5

"AA has been reliable for all our insurance needs. The life insurance is competitively priced and I trust the brand. The decreasing term option works perfectly for our mortgage."

- Mike T., Wellington

Is AA Life Insurance Right for You?

Compare AA Insurance with other top NZ insurers to find the best coverage and price for your needs.