According to The Guardian (2026), household budgets in 2026 remain under strain. Advisers are hearing it every day - clients want high-quality, comprehensive protection, but rising costs and competing financial priorities are influencing their decisions. 
 

In this environment, affordability isn’t a nice-to-have. It’s central to the conversation. Helping clients understand how to make their insurance fit comfortably within their budget can strengthen trust, increase clarity, and keep protection needs front and centre.

As an adviser, you understand that discounts and rewards may change or reduce over time. But what matters most to clients today is how their decisions can improve affordability now.

By walking your clients through their options, like:

you can turn what feels like an overwhelming premium into something far more manageable. These conversations create transparency, shift the focus back to value, and help clients feel more in control of their choices.

Take Michael, featured on page 2 of our Priority Protection Premium Discounts Explained flyer. He’s building a solid protection portfolio – Life Cover, TPD, Crisis Recovery, and Income Protection CORE. His initial annual premium is $6,406. 

 

But once his adviser steps him through the discounts available – AIA Vitality, Initial Selection Discount, Healthier Life Reward, bundled cover, and AIA Health – that figure drops to $4,051. 

 

That’s a $2,355 reduction. 

 

A clear and compelling example of how the right structure, supported by available rewards and discounts, brings meaningful financial relief from day one. 

You can view the breakdown of current discounts and structures in the Priority Protection Premium Discounts Explained flyer.

This approach isn’t about over-promising or projecting savings far into the future. It’s about helping clients understand the immediate impact of today’s discounts so they can make informed decisions with confidence. 
 

For advisers, it’s a valuable way to navigate affordability concerns without compromising quality cover. For clients, it’s reassurance that comprehensive protection can still be within reach without overstretching their household budget. 

By proactively raising the role of discounts, rewards, and engagement programs, you can demonstrate real value at a time when clients need it most. These tools help reshape affordability discussions, keep protection top-of-mind, and ensure clients see the tangible benefits of a well-structured plan from the outset.