Home, AIA, logo
search icon
aia
search icon
Search

clear

  • Products Right chevron icon
    Products
    For Individuals For Business
    • For Superannuation Partners Right chevron icon
      • Group Insights
      • AIA Embrace
      • AIA Vitality in Super
      • Claims
    • For Insurance Brokers Right chevron icon
      • AIA Vitality for corporates
    • For Corporate Health Right chevron icon
      • Why AIA
    • Partnership Distribution
    • Logo icon Private Health Insurance Right chevron icon
      • Health Insurance Member Benefits
      • Get a quote
      • Switch to AIA Health
      • How to claim
      • AIA Health Portal
      • Find a provider
      • Going to hospital
    • Logo icon Life Insurance Right chevron icon
      • Life Cover
      • Total & Permanent Disablement
      • Crisis Recovery
      • Income Protection Core
      • Business Expenses
      • Insurance in Super - AIA Super
      • Transfer of Integrity Policies
      • Make a Claim
  • Health & Wellbeing Right chevron icon
    Health & Wellbeing
    • AIA Vitality Right chevron icon
      • How it works
      • Benefits and rewards
      • Guide to points
      • About your status
      • AIA Vitality Zones
      • AIA Vitality Age Calculator
    • Health & Wellbeing Hub Right chevron icon
      • Move Well
      • Plan Well
      • Eat Well
      • Think Well
      • AIA Insights
      • Recipe Hub
  • Adviser Right chevron icon
    Adviser
    • Overview
    • Our Products Right chevron icon
      • Priority Protection
      • Priority Protection for Platform Investors
      • Policies previously sold under CMLA
      • AIA Health
      • AIA Vitality
    • Partner with us Right chevron icon
      • We're here to support you
    • Business Growth Hub Right chevron icon
      • Business Optimisation
      • Resource Library
      • Technical Advice & Support
      • Specialist Partners
      • Adviser News
    • Help & Support Right chevron icon
      • Meet the team
      • Claims Support
      • Significant dealing
    • COVID-19 Support Right chevron icon
      • Financial Hardship
      • Underwriting & Claims Commitments
    • My AIA
  • About AIA Right chevron icon
    About AIA
    • About Us Right chevron icon
      • Our Customers
      • Our Awards
      • Our People
      • Media Centre
      • A deeper dive into our ESG Commitments
      • Mother's Day Classic partnership
    • Careers
  • Help & Support Right chevron icon
    Help & Support
    For Individuals For Business
    • Making a claim
    • Insurance Forms & Documents
    • Policyholder Information
    • Frequently asked questions
    • Support Resources
    • Complaints Process
    • Family & Domestic Violence
    • Covid-19
    • Contact AIA
  • Financial Advice Right chevron icon
    Financial Advice
    • Overview
    • Who we are
    • What we offer
    • How it works
    • Knowledge hub Right chevron icon
      • Overview
      • Financial Planning Tips
      • Making Plans
      • Family Moments
      • Work Life / Career
      • Health and Wellbeing
      • Unplanned Events
    • Help and Support Right chevron icon
      • Frequently asked questions
      • Contact Us
search icon
aia
search icon
Search

clear

  • Individuals
  • Member Health Portal
  • AIA Vitality
  • Broker
  • Broker Portal
  • Adviser
  • Adviser Portal
  • Financial Wellbeing
  • Customer Portal
Login
  • Individuals
  • Member Health Portal
  • AIA Vitality
  • Broker
  • Broker Portal
  • Adviser
  • Adviser Portal
  • Financial Wellbeing
  • Customer Portal
search icon
aia
search icon
Search

clear

  • Individuals
  • Member Health Portal
  • AIA Vitality
  • Broker
  • Broker Portal
  • Adviser
  • Adviser Portal
  • Financial Wellbeing
  • Customer Portal
Login
  • Individuals
  • Member Health Portal
  • AIA Vitality
  • Broker
  • Broker Portal
  • Adviser
  • Adviser Portal
  • Financial Wellbeing
  • Customer Portal
  1. Transfer of Integrity Policies Back
  2. Policy information Back
  3. Term Life Cover Back

Term Life Cover

Important Update

We’re pleased to advise that the Federal Court of Australia has confirmed the transfer of Integrity Life Australia Limited's retail life insurance business to AIA Australia under Part 9 of the Life Insurance Act 1995 (Cth) is now complete. Please note that the contents of this website remain relevant to your new AIA Priority Protection policy and any changes you might experience due to the transfer, effective 1 March 2025.

Proposed changes to your cover

If you hold Cover under Term Life policy (CUNA policy), your benefit cover amount will be transferred to an AIA Priority Protection Policy (AIA policy) when your policy is transferred, or 'migrated', from Integrity to AIA under the Scheme.
 
Subject to confirmation by the Federal Court of Australia, the retail life insurance business of Integrity Life Australia Limited (Integrity) will transfer to AIA Australia Limited (AIA) by way of a Scheme under Part 9 of the Life Insurance Act 1995 (Cth).
 
Learn more about the Scheme here.
AIA policy is a comparable product to your transferring CUNA policy. AIAA and ILAL have sought to minimise the extent of the changes to the cover provided by carefully mapping the existing insurance benefits of your policy to AIA policy insurance benefits.
 
If the Scheme transfer goes ahead, you will receive similar coverage and features under your new AIA policy. However, there are some differences in coverage between the two policies, and we recommend you read the AIA policy Product Disclosure Statement (PDS) in full to understand your new policy's terms.
 
You can access the AIA PDS here: AIA Priority Protection – Version 29 12/05/2024 and Priority Protection - Incorporated by Reference

Summary of key differences

To help you better understand the changes that will occur to your cover (assuming the Scheme is confirmed by the Court), please read the below summary of key differences between your Integrity policy and the AIA policy.
 
This is a summary only. If you have any questions in relation to changes to your cover, you can contact us on 1800 333 613 between 9am and 5pm (AEDT/AEST), Monday to Friday or, via email at au.customer@aia.com

MemberCare Term Life and Crisis Recovery Plan – TC

CUNA
 
The expiry age for Life Cover is your CUNA policy's last anniversary before the you turn 70.
 
You had the option of continuing the policy after 60 with an adjustment in premium being completed at renewal each year.
 
AIA – Priority Protection
 
The expiry age for Life Cover is the policy's last anniversary before you turn 100 for policies that are outside of super.

CUNA
 
There is no minimum or Maximum Sum Insured.
 
AIA – Priority Protection
 
There is no maximum or minimum sum insured unless you have a occupation class of ‘Home Duties’ which then restricts you to a maximum sum insured of $2 million for life cover. 

CUNA
 
If you are diagnosed with a terminal illness and make a successful claim on the policy, then a pre-payment of 75% of the total sum insured of the term life cover is paid. You are required to obtain certificates from one or more medical practitioners with at least one of the medical practitioners being a relevant medical specialist.
 
AIA – Priority Protection
 
If you hold Life Cover outside of super you are only required to obtain a certificate from one relevant specialist medical practitioner. 

CUNA
 
The policy will automatically include annual increases based on the Consumer Price Index (rounded up to the next $1000) up to a maximum of 10% of the Sums Insured. You can decline the annual increases. However, where increases are not accepted on two consecutive anniversaries the right to future increases is forfeited.
 
AIA – Priority Protection
 
You will be eligible to automatically increase your Sum Insured at the Policy Anniversary each year by the higher of the CPI Increase and 5%, which will adjust your premium accordingly. You can opt out of this benefit on or before any Policy Anniversary.

Member Care Life Insure Policy – LC

CUNA
 
The expiry age for Life Cover is the CUNA policy's last anniversary before the you turn 70.
 
AIA – Priority Protection
 
The expiry age for Life Cover is the policy's last anniversary before you turn 100 for policies that are outside of super.

CUNA
 
The maximum sum insured for Life cover is $300,000.
 
AIA – Priority Protection
 
Thereis no maximum or minimum sum insured unless you have an occupation class of ‘Home Duties’ which then restricts you to a maximum sum insured of $2 million for life cover. 

CUNA
 
If you were to pass away due to an accident, an additional 50% would be paid. For example, if you had a sum insured of $150,000 and a made a successful accidental death claim a total amount of $300,000 would be paid out to your beneficiaries at no extra cost.
 
AIA – Priority Protection
 
There is no comparable benefit offered under the AIA policy. 

CUNA
 
To make a terminal illness claim you are required to be diagnosed with 12 months or less to live. If you are diagnosed with a terminal illness and make a successful claim on your policy, then a pre-payment of 75% of the total sum insured of the term life cover is paid. You are required to obtain certificates from one or more medical practitioners with at least one of the medical practitioners being a relevant specialist.
 
AIA – Priority Protection
 
If you hold Life Cover outside of super you are only required to obtain a certificate from one relevant specialist medical practitioner. 

CUNA
 
There is no funeral advancement benefit provided under the CUNA policy.  
 
AIA – Priority Protection
 
The payment is capped at 10% of your sum insured for Life cover up to a maximum of $25,000. 

CUNA
 
The policy will automatically include annual increases based on the Consumer Price Index (rounded up to the next $1000) up to a maximum of 10% of the Sums Insured. You can decline the annual increases. However, where increases are declined on two consecutive anniversaries the right to future increases is forfeited.
 
AIA – Priority Protection
 
You will be eligible to automatically increase your Sum Insured at the Policy Anniversary each year by the higher of the CPI Increase and 5%, which will adjust your premium accordingly. You can opt out of this benefit on or before any Policy Anniversary.

Member Care Life Insure Policy - LI

CUNA
 
The expiry age for Life Cover is the CUNA policy's last anniversary before the you turn 70.
 
AIA – Priority Protection
 
The expiry age for Life Cover is the last anniversary before you turn 100 for policies that are outside of super. 

CUNA
 
The maximum sum insured for Life cover is $500,000.
 
AIA – Priority Protection
 
There is no maximum or minimum sum insured unless you have a occupation class of ‘Home Duties’ which then restricts you to a maximum sum insured of $2 million for life cover. 

CUNA
 
To make a terminal illness claim you are required to be diagnosed with 12 months or less to live. If you are diagnosed with a terminal illness and make a successful claim on your policy, then a pre-payment of 75% of the total sum insured of the term life cover is paid. You are required to obtain certificates from one or more medical practitioners with at least one of the medical practitioners being a relevant specialist.
 
AIA – Priority Protection
 
If you hold Life Cover outside of super you are only required to obtain a certificate from one relevant specialist medical practitioner. 

CUNA
 
There is no funeral advancement benefit provided under the CUNA policy. 
 
AIA – Priority Protection
 
The payment is capped at 10% of your sum insured for Life cover up to a maximum of $25,000. 

CUNA
 
The policy will automatically include annual increases based on the Consumer Price Index (rounded up to the next $1000) up to a maximum of 10% of the Sums Insured. You can decline the annual increases. However, where increases are declined on two consecutive anniversaries the right to future increases is forfeited.
 
AIA – Priority Protection
 
You will be eligible to automatically increase your Sum Insured at the Policy Anniversary each year by the higher of the CPI Increase and 5%, which will adjust your premium accordingly. You can opt out of this benefit on or before any Policy Anniversary.

MemberCare Term Life Insurance Plan – GL

CUNA
 
The expiry age for Life Cover is the CUNA policy's last anniversary before the you turn 60.
 
AIA – Priority Protection
 
The expiry age for Life Cover is the last anniversary before you turn 100 for policies that are outside of super. 

CUNA
 
There is no minimum or Maximum Sum Insured.
 
AIA – Priority Protection
 
There is no maximum or minimum sum insured unless you have a occupation class of ‘Home Duties’ which then restricts you to a maximum sum insured of $2 million for life cover. 

CUNA
 
To make a terminal illness claim you are required to be diagnosed with 12 months or less to live. If you are diagnosed with a terminal illness and make a successful claim on your policy, then a pre-payment of 75% of the total sum insured of the term life cover is paid. You are required to obtain certificates from one or more medical practitioners with at least one of the medical practitioners being a relevant specialist.
 
AIA – Priority Protection
 
If you hold Life Cover outside of super you are only required to obtain a certificate from one relevant specialist medical practitioner. 

CUNA
 
There is no funeral advancement benefit provided under the CUNA policy. 
 
AIA – Priority Protection
 
The payment is capped at 10% of your sum insured for Life cover up to a maximum of $25,000. 

CUNA
 
The policy will automatically include annual increases based on the Consumer Price Index (rounded up to the next $1000) up to a maximum of 10% of the Sums Insured. You can decline the annual increases. However, where increases are declined on two consecutive anniversaries the right to future increases is forfeited.
 
AIA – Priority Protection
 
You will be eligible to automatically increase your Sum Insured at the Policy Anniversary each year by the higher of the CPI Increase and 5%, which will adjust your premium accordingly. You can opt out of this benefit on or before any Policy Anniversary.

Additional Benefits/ Terms and conditions applicable across all products.

If confirmed by the court, you will then have access to the following benefits and features:
Built-In AIA Benefit Definition
Guaranteed Future Insurability Allows you to increase your Sum Insured for significant Personal or Business Events before age 55, without providing further evidence of your health or insurability.
Financial Planning Reimbursement Pays up to $3,000 to reimburse financial planning advice obtained within 12 months of a claim payment across all policies. The maximum total amount payable under all policies with us for the life insured is $3,000.
Premium and Cover Pause Benefit For eligible policies, and subject to acceptance of an application, allows you to pause premiums and cover for a period of 3, 6 or 12 months in certain circumstances.
Premium freeze Allows you to keep your premium the same for the following year by reducing your Sum Insured amount. You must be at least 35 years old and paying Stepped premiums.
Conversion option Allows you to convert your Superannuation Life Cover Plan to an Ordinary Plan prior to the Policy Anniversary before your 75th birthday.
Accommodation Benefit Where we pay the Death or Terminal Illness Sum Insured, we will reimburse the accommodation costs incurred by your immediate family members whilst you are confined to a bed more than 100 km from your usual place of residence (up to $250 per day for up to 30 days). The Accommodation benefit can assist an Immediate Family Member with the costs of accommodation to be near you provided you are confined to a bed or hospitalised.
Counselling Benefit Where we pay the Death or Terminal Illness Sum Insured, we will pay $200 for each session of grief counselling you and/or an Immediate Family Member subsequently attend, up to a maximum total value of $1,200 per Life Insured.
Complimentary Family Final Expenses Pays the lower of $20,000 or 10% of the Sum Insured if your Child passes away or is diagnosed with a Terminal Illness between the ages of 2 and 17.

Under the CUNA policy the Professional Services benefit is not available.
 
AIA policy offers a similar benefit called Financial Planning Reimbursement, which reimburses you up to $3,000 for costs associated with obtaining financial advice. This is a combined, aggregate limit across all AIA policies you hold. 

CUNA
 
Your CUNA policy has no minimum premium requirement.
 
AIA – Priority Protection
 
If after transfer to your AIA Priority Protection policy the new premium calculated is under $300, AIA will waive the minimum premium requirement of $300 per annum.
 
Please note if you request an alteration of any kind to your Policy, for example an increase or decrease in your sum insured, the AIA minimum premium of $300 per annum will be enforced.

CUNA
 
Under the CUNA policy, you had the ability to elect to pay your premiums either Monthly or Annually, at no extra cost.
 
AIA – Priority Protection
 
AIA offers Monthly, Half-yearly and Yearly premium frequencies, which are subject to a premium frequency charge applying to the premium and policy fee.  The charge is calculated as a percentage of the yearly premium, being 0% for Yearly, 5% for Half-yearly and 8% for Monthly.

The AIA policy offers the same premium options as the CUNA policy.
 
However, the names (labels) of AIA policy premiums options have recently been updated in line with the Council of Australian Life Insurers (CALI) recommendations, as set out below:  
CUNA Premium Labels AIA Priority Protection Premium Labels
Stepped premiums Variable age-stepped premiums
Level premiums Variable premiums

As part of the transfer your premium rates may alter based on the Premium Structure you are transferred into under the AIA policy.
 
  • Variable age-stepped

    If all cover under your CUNA policy has a ‘stepped’ premium structure, your policy will be transferred to AIA with the same sum insured and will be based on ‘variable age-stepped’ premiums.

  • Variable

    If all cover under your CUNA policy has a ‘level’ premium structure, your policy will be transferred to AIA with the same premium rates and same sum insured and will be based on ‘Variable’ premiums.

    Please note if you request an alteration of any kind to your Policy, for example an increase or decrease in your sum insured, your premium rates will change from CUNA's Level premium rates to AIA’s Variable premium rates and the amount of premium you pay may change (and may increase).

    Both AIA and Integrity may increase the premium rates, regardless of whether you have Stepped Premium or Level Premium but, and you we will give you at least 30 days’ notice in writing. Premium rates may not be altered individually and your policy cannot be singled out for an increase.

  • Combination of Variable and Variable age – stepped

    CUNA

    If you have a combination of Level and Stepped premium structures under your CUNA policy, all covers will be transferred to AIA’s Variable premium.

    This means that when your policy is migrated to AIA, your Variable premiums will be recalculated, on AIA’s current rates, based on the age you were when your CUNA policy commenced.

    AIA – Priority Protection

    The AIA policy does not allow a combination of Premium Structures on multiple covers held under the one policy.

The Premium and Cover Pause benefit is available to support customers who are experiencing financial hardship. For AIA policies with a monthly premium, you can apply to pause premiums and cover for a period of 3, 6, or 12 months and for yearly premium frequency you can request a 12 month pause however, the Premium and Cover Pause can only start on the next premium due date.
 
A full list of Premium and Cover Pause benefit conditions is available in the AIA PDS and Incorporated by Reference document available AIA Priority Protection – Version 29 12/05/2024 and Priority Protection - Incorporated by Reference

The Premium Freeze benefit allows you, at each Policy Anniversary, to elect to pay the same premium for the following Policy year as you paid for the previous Policy year. You must be at least 35 years old and have a Variable age-stepped premium structure to exercise a Premium Freeze. If you elect to apply the Premium Freeze benefit your sum insured will be decreased the next Policy year to match the premium with the amount you paid in the previous Policy year.
 
A full list of Premium Freeze benefit conditions is available in the AIA Priority Protection PDS and Incorporated by Reference document available AIA Priority Protection – Version 29 12/05/2024 and Priority Protection - Incorporated by Reference

Contact us

You can also contact your adviser or contact us directly on:

Call us directly:

Between 9am and 5pm (AEST/AEDT) Monday to Friday 1800 333 613

Send us email:

au.customer@aia.com

 

Send us mail:

PO Box 6111, Melbourne
VIC 3004

  • Careers
  • Our People
  • Our Commitments
  • Media Centre
  • Our Awards
  • Industry Standards

  • AIA Vitality
  • Private Health Insurance
  • Life Insurance
  • Health & Wellbeing Hub

  • Making a claim
  • Frequently asked questions
  • Contact Us
  • Complaints Process
  • Whistleblower Disclosure
  • Insurance Forms and Documents
  • Target Market Determination
AIA Group
  • Australia
  • Brunei
  • Mainland China
  • Cambodia
  • Hong Kong & Macau
  • Indonesia
  • Korea
  • Malaysia
  • Myanmar
  • New Zealand
  • Philippines
  • Singapore
  • Sri Lanka
  • Taiwan
  • Thailand
  • Vietnam

About AIA

  • Careers
  • Our People
  • Our Commitments
  • Media Centre
  • Our Awards
  • Industry Standards

Explore AIA

  • AIA Vitality
  • Private Health Insurance
  • Life Insurance
  • Health & Wellbeing Hub

Help and Support

  • Making a claim
  • Frequently asked questions
  • Contact Us
  • Complaints Process
  • Whistleblower Disclosure
  • Insurance Forms and Documents
  • Target Market Determination
Copyright © 2024. 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. 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. |Terms of Use|Privacy Statement|Cookie Policy|Sitemap
Copyright © 2024. 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. 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.
Terms of Use | Privacy Statement | Cookie Policy | Sitemap
facebook
linkedin
instagram
youtube

This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy and Privacy Statement.

AIA Australia acknowledges Aboriginal and Torres Strait Islander peoples as the traditional custodians of the lands on which we live, learn and work, and we pay our respects to their Elders, past and present. AIA supports healthier, longer, better lives for everyone. We express our solidarity with First Nations Peoples and our shared commitment to achieving a healthy, fair and reconciled Australia.