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    • Priority Protection

      A selection of cover options to cater for a broad range of insurance needs.

    • Priority Protection For Platform Investors

      Provides clients with a selection of plans to cater for their life insurance needs.

    • POLICIES PREVIOUSLY SOLD UNDER CMLA

      Closed to new business (except continuation options and replacements).

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      Pays you a guaranteed income throughout your retirement.

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      Offers a tax-effective way to invest for the future.

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      Our science-backed health and wellness program.

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      Health Insurance that comes with access to AIA Vitality.

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  • Technical Advice & Resources

    We know the importance of having access to technical experts to help you with your client considerations and recommendations. Our technical page will help you self-educate on key advice areas.

    Further resources such as the AIA Insurance Tax Guide and Business Protection Fact Find are available to AIA Advisers on the Adviser Site. For more information, contact your AIA Australia Client Development Manager.  

    TECHNICAL RESOURCES

    • Lump Sum Income Replacement Calculator

      The Lump Sum Income Replacement calculator can be used to calculate the current, or net present value of an income stream to help determine the capital required to fund the initial investment.

      Download the calculator
    • Super Life And TPD Insurance Tax Calculators

      The super life and TPD insurance tax calculator will assist you in determining the tax payable for claims paid in the 2021/22 financial year.

      Download the calculator
    • Concessional contribution checklist

      From 1 July 2017, eligible clients can claim a tax deduction for personal super contributions regardless of their employment status. The concessional contribution checklist will assist you in determining:

      1. The available concessional contribution cap available to claim a tax deduction on personal, tax deductible contributions, and
      2. Project future available concessional contribution amounts available with the 5-year carry-forward provision (commenced 1 July 2018 where any remaining concessional cap from 2018/19 is carried over to 2019/20).

      Download Now
    • Non-concessional contribution – Decision Tree

      The non-concessional contribution decision tree can help you to determine your client's non-concessional contribution cap for the 2021/22 financial year. 

      Download now
    • COMPARISON OF INSURANCE PREMIUMS FUNDED INSIDE VS OUTSIDE OF SUPER

      This guide can be used with clients to help them compare the value of $1,000 worth of premium and how much it will cost when paying with pre-tax dollars versus paying with after-tax dollars. Examples shown are a visual guide, comparing the gross cost at each individual tax rate. 

      Download now
    • Life and TPD Insurance Inside/Outside Super Comparison Table

      The life and TPD comparison table compares the key factors to consider when owning life and TPD insurance inside/outside of super. 

      Download table

    Business Protection Resources

    • Buy/Sell Versus Key Person Insurance Ownership Guide

      This guide provides a brief overview of the key differences between buy/sell and key person cover, including how both types of cover are generally owned, tax implications on payout and other issues to consider. 

      Download the guide
    • Guide to Buy/Sell Funding Insurance Ownership Structures

      This guide provides a summary of the different policy ownership structures that are available when funding a business succession plan with insurance. Included are the key advantages and disadvantages to consider when advising clients on how the policy should be owned for buy/sell cover. 

      Download the guide
    • Self-Owned Buy/Sell Insurance Cover

      Our case study highlights why self-ownership is a preferred ownership structure for buy/sell insurance cover. 

      Learn more
    • Funding buy/sell (business owner) insurance via SMSFs

      We summarise what the ATO's views are on funding buy/sell agreements through super and what this means for financial advice. 

      Read our update
    • Importance of Business Succession Advice

      The following case study highlights the importance of having a well drafted buy/sell agreement in place with supporting insurance policies to fund the exchange of shares in the business. 

      Learn more

    TECHNICAL WHITE PAPERS

    • Avoiding nasty surprises when funding insurance via super rollover

      This article outlines five potentially adverse knock-on effects of a super rollover. These should be considered as part of any recommendation to fund super life cover using a rollover agreement, both for existing and prospective policies. 

      Download paper
    • Avoiding Mistakes With Super Nomination Of Beneficiary Forms

      Get clarity around superannuation nomination of beneficiary forms.

      Download paper
    • Life cover in Super

      Explore some of the key technical issues surrounding ownership of Priority Protection super life cover.

      Download the facts about life cover in super
    • TPD SUPER PENSION CASE STUDY

      Our case study compares the super lump sum versus income stream option for individuals that become permanently disabled. 

      Download the case study
    • TPD: Inside, outside or something in-between?

      This article addresses the key differences between super and non-super ownership, including how split insurance policies may provide clients with the best of both worlds.

      Find out more
    • Income Protection: inside, outside or something in-between?

      This article addresses the key differences between super and non-super ownership, including how split insurance policies may provide clients with the best of both worlds.

      Find out more
    • Making income protection more affordable for clients

      We explore how super law provides a niche opportunity for clients to access salary sacrificed contributions upon temporary disablement.

      Find out more
    • Passing on the tax deduction for insurance in super

      This paper outlines the ways in which the premium tax deduction may be passed on to members where AIA Priority Protection life or disability insurance is owned by the AIA Insurance Superannuation Scheme No2, the member's SMSF, or the member's platform super fund where that fund is one of AIA's PPPI partners. 

      Download now

    WANT TECHNICAL ADVICE SUPPORT?

    Do you have a technical question about an advice strategy? Do you need to find technical resource material? Whether it’s simply working through the pros and cons of having insurance inside or outside super, or optimal structuring for taxation or asset protection, we’re here to help.

    Our expertise covers personal and business insurance, estate planning, taxation, superannuation and social security, and we have deep product knowledge and benefit selling expertise as well. Just drop us a line.

    Benjamin Martin Senior Technical Manager

    Benjamin Martin

    Senior Technical Manager

    Seon Sweet Technical Manager AIA

    Damian Revell

    Technical Manager

    Seon Sweet Technical Manager AIA

    Seon Sweet

    Technical Manager

    Toui Phanthana

    Toui Phanthana

    Education Specialist

    John Giannikos Technical Product Training Manager AIA

    John Giannikos 

    Technical Product Training Manager

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    Copyright © 2021. AIA Group Limited and its subsidiaries or affiliates. All rights reserved. Priority Protection and Priority Protection for Platform Investors products are issued by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043). AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia. AIA Health with AIA Vitality is issued by AIA Health Insurance Pty Ltd ABN 32 611 323 034, a registered private health insurer governed by the Private Health Insurance Act 2007, Private Health Insurance Rules 2007 and the AIA Health Insurance Pty Ltd Fund Rules. The information on this website is current as at 1 April 2021 and may be subject to change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. Unless expressly stated, any views or expressions of opinion (including any video content) do not represent the opinion of AIA.
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