A new approach to financial advice

At AIA Financial Wellbeing we’re passionate about ensuring Australians have access to affordable, reliable, straightforward financial advice - because we understand how financial wellbeing supports your overall wellbeing.

We also get that personal financial advice might not be what you’re after right now, and maybe you just want the peace of mind of having insurance cover in place. If that’s you, we can help you get a quote and apply for AIA life insurance, and refer you to our Health team for a quote on health insurance with AIA Vitality.

No matter where you’re at, we’re here to support you.

So don’t wait, start today, and take your first step towards improving your financial wellbeing.

How it works: compare our advice services

Service General Advice Personal Advice
Speak to an expert
Complimentary first consultation
Fee for advice
Tailored, personalised advice that considers your personal needs, goals and objectives
Quote for AIA life insurance
Advice on insurance considering your personal circumstances, from a diverse approved product list
Help applying for insurance
Advice on superannuation 
Wealth advice (savings and investments)
Help implementing superannuation and wealth advice recommendations


Which advice service is right for me?

The best advice option for you will depend on how confident you are on the types and amounts of insurance you need, and the complexity of your advice needs. General Advice may be a great place to start if you just want to get a quote on AIA insurance. Alternatively, Personal Advice may be better suited to your needs if:
  • You would like a Financial Planner to consider your individual circumstances and provide a tailored, personalised recommendation.
  • You would like personalised advice on insurance, superannuation or wealth solutions.

Advice that gives you financial confidence, at any stage of life

Financial planning and advice can feel a little overwhelming and complicated.
But it doesn’t have to be. Our advice is clear and easy to understand.

Frequently asked questions

We can provide personal advice or general advice, depending on your needs.
General advice does NOT take into account your personal goals, needs and objectives. Your consultant will explain the types of AIA Priority Protection and features to you and can generate a quote based on the type of protection you want.
General advice is provided at no charge to you. Please refer to our General Advice Financial Services Guide for more information.
Personal advice takes into consideration your personal goals, needs and objectives. Our financial planners can advise you in the following areas:
  • personal risk insurance
  • superannuation
  • investment planning, and
  • business insurance.
We can recommend products from a range of providers on our approved product list, prepare a tailored advice document for you, and help you implement that advice.
We charge a fee for preparation of your advice document. For more information on pricing, please refer to our Personal Advice Financial Services Guide.

The length of time for the advice process depends on the complexity of your objectives, goals and needs. However, generally, after you submit an online inquiry for advice, you can expect a call back from us within 1 business day.
If you are seeking general advice on AIA life or health insurance, this can be provided in one phone call.
If you are seeking personal advice:
  • After you submit an online inquiry for advice, you can expect a call back from us within 1 business day.
  • Your initial consultation with a financial planner, which is part of our ‘fact-find’ process, will take approximately 60-90 minutes.
  • Your advice document will take between 2-4 weeks for research and preparation.
  • Your advice appointment, at which your financial planner will walk you through your advice document and explain your options, will take approximately 60 minutes.

General advice on AIA life insurance is provided at no cost to you.
Our personal advice fees are scaled depending on the complexity of advice you are seeking. We pride ourselves on providing affordable, straightforward and quality advice for Australians.
Before providing personal advice, your financial planner will discuss the fees and payment options with you. These fees will be based on your individual circumstances, the complexity of your situation and the time it takes to prepare your personal financial advice.
Our personal advice fees typically range from $600 to $5000 + GST. If you direct us to make any amendments to your advice document an additional fee may be charged.
For more information on our fees, please refer to our Financial Services Guides for Personal Advice and General Advice.

If a transaction has been processed by us and you change your mind about our services, you will need to request for a refund. To request a refund, please call us on 1800 434 044.

No, our financial planners do not work on commission. As employees, they are paid a salary and superannuation.
In addition, they are also eligible for discretionary short term incentives based on their performance against key performance indicators, values and risk goals. This generally does not exceed 40% of their salary.

The performance indicators do not include sales revenue and the short term incentives have no link to the commission received from product providers or the fee amount you may pay for the advice they provide.
AIAFW may receive commissions on life insurance products. The ongoing life insurance commission that AIAFW can receive will not exceed 33% per annum of the premium for level commission structures.
Any life insurance commission payments that AIAFW receive are not an additional cost to you.
AIAFW may receive referral fees on health products when AIAFW refers you to AIA Health Insurance. AIAFW may receive 20% of first year premium (as a referral fee) from AIA Health for health insurance referrals.
More detail may be found in our Financial Services Guide.

No. You only pay for the advice you need, when you need it.

If you are a former Commonwealth Financial Planning customer who transferred to AIA Financial Wellbeing, most of your personal details and product information was sent to us on 1 December 2021, so we can help service and support you moving forward. Should you need new advice, we may need to verify or update your details.
If you are a new customer, we’ll ask for your contact details (full name, phone, email address). Before your first meeting with a financial planner we’ll provide you with access to our customer portal where you can enter other information relevant to your financial situation and goals, such as income, superannuation, and any insurances and investments held. This information will be handled strictly in accordance with our Privacy Policy.

No, it will be our pleasure to advise you no matter what your circumstances are, or which product/s you currently hold.

We provide general advice on AIA life insurance only.
However, if you are seeking personal advice, tailored to your individual circumstances, we have several product providers on our Approved Product List (APL), not just AIA. Our financial planners will make recommendations in your best interests, based on your situation, goals and objectives.

New customers: yes, you can review your investments and insurances, and update your personal details at any time via our customer portal. Initial login details are sent to you ahead of your first meeting with a financial planner.
Existing customers: yes, you can view your investments and insurances, and update your personal details at any time via our customer portal. To request access, please call us on 1800 434 044. After completing a quick security check, we’ll send you through your login details.