Simple changes that add up to lasting impact

Our latest AIA Vitality, reporting and renewal notice enhancements are designed to support you. Find out how.

Big changes often define where we're heading - new products, new offers, new milestones. But often the smaller, strategic improvements deliver equally meaningful change, strengthen how we support our clients and advisers every day.
This latest launch is a perfect example, improvements that is designed to make a real difference for both clients and advisers.

AIA Vitality updates

On 9 November 2025, we launched our new AIA Priority Protection Product Disclosure Statement (PDS), introducing updates to AIA Vitality discounts that make it easier for clients to reach their targets and maintain their discounts.
 
We've since extended this offer to even more clients, including those joining AIA Vitality for the first time, re‑joining after a previous membership, or transitioning through a Cancel and Replace. With refreshed targets, clients can more easily stay on track and continue to enjoy the benefits of their Priority Protection discounts.

What are the benefits of the new AIA Vitality discounts?

The updated discounts make it simpler for more clients to unlock and maintain savings on their Priority Protection policy by engaging with AIA Vitality. Whether clients are adding AIA Vitality or looking to rejoin, accessing discounts is now easier than ever.
 
With a more achievable Silver Status target, AIA Vitality rewards everyday Australians for making healthy choices - not just elite fitness levels. Activities such as walking, along with completing in person and online health checks, all contribute toward achieving and maintaining status.

What are the new AIA Vitality discounts?

The AIA Vitality discounts include:
 
AIA Vitality discount – a 10% discount on lump sum and income protection policies, where discounts are maintained by reaching Silver Status within the policy year.
 
Engagement in AIA Vitality is key to maintaining discounts. For every year a client only reaches Bronze Status, their discounts reduce by 5%. The good news, by re-engaging and reaching Silver Status the client can get the full 10% discount at their next policy anniversary.

AIA Vitality Health Check discount – a 5% discount which is maintained by completing an AIA Vitality Health check every two years.

Note: The above discount structures only apply to the new AIA Vitality offer and does not include AIA Vitality Starter.
 
Want to revisit the discounts in action? Click the Discounts in action button.
 

Case Studies

Below are a number of case studies that help you better understand the various scenarios and how your client could benefit from this change.

Meet Sarah
Sarah recently applied for a new AIA Priority Protection policy with AIA Vitality to enjoy the health and financial benefits. As a result, she was eligible for:
 
  • 10% AIA Vitality Initial discount: Applied straight away as a first-time AIA Vitality member.
  • 5% AIA Vitality Health Check discount (VHC): Applied upfront.

Meet Daniel
Daniel already had an AIA Priority Protection policy, however, did not have an AIA Vitality membership.
 
After learning about the discount offers and how his health could benefit, Daniel signed up to become an AIA Vitality member and had it linked to his AIA Priority Protection policy. As a result, he was eligible for:
 
  • 10% AIA Vitality Initial discount: Applied at his next billing date.
  • 5% AIA Vitality Health Check discount (VHC): Also applied at his next billing date. 

Meet Priya

Priya had an AIA Vitality membership linked to her policy since 2020 but decided to remove it in 2024. As of 28 March 2026, she decided to rejoin AIA Vitality. Our recent updates mean that Priya can now access the new discount structures.
 
  • Her AIA Vitality discount will be applied at her next billing date, based on her last recorded AIA Vitality status:
    • Silver Status or higher: 10%
    • Bronze Status: 0% - however, as targets are reduced, she could get 10% at the next policy anniversary if she reaches Silver Status or higher.
  • 5% AIA Vitality Health Check discount (VHC):  Also applied at her next billing date.

Meet Luke

Luke is replacing an existing AIA Priority Protection policy dating prior to 9 November 2025 and is replacing it with a new policy which includes AIA Vitality. As a result:
 
  • His AIA Vitality discount is based on his last known AIA Vitality status before cancellation:
    • If he attained Silver or higher, he receives 10%
    • If Bronze, he receives 0% - however, as targets have been reduced, he could get 10% at the next policy anniversary if he reaches Silver Status of higher.
  • AIA Vitality Health Check: 5% applied upfront (same as new members).
Case study note:
 
To maintain the 10% AIA Vitality discount at the next anniversary date, clients must achieve Silver Status.
 
To maintain the 5% AIA Vitality Health Check discount on all eligible Priority Protection benefits clients must complete an eligible AIA Vitality Health Check once every two years. 

Updates to reporting and notices

We've also enhanced reporting and notices to help advisers illustrate options more easily and support clearer client conversations.

Anniversary report updates

When using the Upcoming Anniversary Report on the AIA Adviser Portal, you will see some improvements, which include the following scenarios:
 
  • Estimated premium if sum insured is reduced by 10%, 20% or 30%
  • Estimated premium if changing from TPD Own to Any Occupation
  • Change to premiums related to the AIA Vitality Health Check
  • Estimate sum insured when considering keeping premiums at the same level

Renewal Notices

Our updates to the Renewal Notice make it clearer for clients to understand what the AIA Vitality discount is and additional wording which includes payment amount and frequency.

Want more information?

Talk to your Client Development Manager or Sales Support team on 1800 298 400. 

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AIA Priority Protection collateral

New Product Disclosure Statement

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AIA Vitality Statement of Advice