Total and Permanent Disablement

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 Integrity’s Here For You Policy (Integrity 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).
 
AIA Priority Protection is a comparable product to your transferring Integrity 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 Priority Protection’s 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 Priority Protection Product Disclosure Statement and Policy Document (PDS) in full to understand your new policy's terms. 
 

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 (AEST/AEDT), Monday to Friday or, via email at au.customer@aia.com
 
Holiday Hours
22 December to 24 December our operating hours are reduced to 9:00am–3:00pm AEST.
25 December and 26 December we will be closed due to public holidays.
29 December to 31 December our operating hours are reduced to 9:00am–3:00pm AEST.
We will be closed on 1 January & 2 January 2026.

Integrity – Here For You
 
The expiry age for TPD Cover is your 65th birthday.
 
Your Integrity policy then converts to Activities of Daily Living or Severe cognitive loss up until you turn 75.  For Split TPD cover the cover will expire on your 65th birthday.
 
AIA – Priority Protection
 
The expiry age for TPD Cover is the policy anniversary before you turn either 70, 65 or 55, depending on which Occupation Category you fall into.
 
TPD Cover for Occupation Category will expire as follows:
 
  • A1, A2, M, A3, A4 (which includes, for example: Director, Doctor, Administration Clerk, Manager, Teacher) will expire on your policy's last anniversary date before you turn 70.
  • B1, B2, C1, C2, D (which includes, for example: Hairdresser, Painter, Electrician, Farmer, Paramedic, Truck Driver, Nurse, Builder, Plumber) and Home duties will expire on your policy's last anniversary date before you turn 65.
  • E (which includes, for example: Pilot, Cleaner, Taxi Driver, Police Officer, Farmer, Gardener, Firefighter will expire on your policy's last anniversary date before you turn 55.

Integrity – Here For You
 
The minimum sum insured amount is $50,000 and maximum is $5 million.
 
AIA – Priority Protection
 
The minimum sum insured amount is $50,000 and maximum sum insured is $5 million for a TPD any occupation definition all occupation categories excluding home duties which has a maximum of $1 million. There is a maximum sum insured of $3 million across all policies held for TPD Own occupation definition.

The definition of TPD in your Integrity policy will be transferred to your AIA policy at migration.
 
For example, if you had the 'Own occupation' definition under your Integrity policy, then you will also have the 'Own occupation' definition under your AIA policy. 

Integrity – Here For You
 
There is no minimum qualifying period, regardless of your occupation definition.
 
AIA – Priority Protection
 
There is a three month qualifying period in relation to all Occupation Categories if you make a claim under point “b” of the AIA Priority Protection PDS on page 193. AIA Priority Protection – Version 29 12/05/2024
 
The exception to this is the 'Day 1 TPD benefit' which waives the qualifying period if you suffer one of the following ‘other serious crisis events’ (these events are defined in the AIA Priority Protection PDS: AIA Priority Protection – Version 29 12/05/2024 and Priority Protection - Incorporated by Reference
 
  • Alzheimer’s disease with significant cognitive impairment;
  • Blindness;
  • Loss of hearing;
  • Motor neurone disease;
  • Multiple sclerosis;
  • Muscular dystrophy;
  • Paralysis (total and permanent); or
  • Parkinson’s disease.
A three month qualifying period applies to the Activities of Daily Living component of Loss of Independence and a six month qualifying period applies to the cognitive impairment component of the definition.

Integrity – Here For You
 
The Life Events benefit allows an increase to the policy benefit if there is a ‘Life Event’.
 
The increase is limited to the lessor of 25% of your current benefit, or $200,000, with the total of all increase not exceeding the original sum insured and $1million.
 
The following Life Events under the Integrity policy are:
 
Marriage or Divorce
  • Completion of an undergraduate degree at a government recognised Australian University
  • First Anniversary of Permanent Separation
  • Death of a Spouse
  • Birth or adoption of a child
  • Dependant child commences Secondary Education
  • Becoming a Carer for an immediate family member the first time
  • Take out or increase a mortgage over principal place of residence with an accredited mortgage provider (In the case of new or increase in an existing mortgage, the increase in Cover is limited to the new mortgage amount or the increase)
  • Receive an increase of 15% or more to base annual salary (excluding irregular items like bonuses and commissions) the increase in Cover is limited to 10 times the amount of the increase
AIA – Priority Protection
 
The Guaranteed Future Insurability (GIF) benefit is only available for Life cover and TPD where it is a rider to Life and is not applicable to Crisis Recovery cover. 

Integrity – Here For You
 
The Business Events benefit feature allows an increase to the policy benefit due to a ‘Business Event’.
 
This increase is limited to the lesser of 30% of your current benefit, or $500,000.
 
Business Events under the Integrity policy are:
 
  • When the value (being revenue or capital) of a key person in the business increases;
  • When a loan guarantee or other business-related debt to the business has increased; or
  • When the business has increased in value (where Cover forms part of a written buy/sell, share purchase, or business succession agreement).  
AIA – Priority Protection
 
The Guaranteed Future Insurability (GFI) benefit for business events is only available for Life cover and TPD where it is a rider to Life and is not applicable to Crisis Recovery cover. 

Integrity – Here For You
 
The Premium Waiver Option was an additional optional cover that allowed for your Life Cover premiums to be waived if the Life Insured (you) were continuously Totally Disabled or Partially Disabled due to sickness or injury for at least three months.
 
Integrity would then waive the premiums payable for Life cover up until the earliest of the following:
 
  • you were no longer continuously Totally Disabled or Partially Disabled;
  • your 65th birthday; or
  • you died.
AIA – Priority Protection
 
AIA does not offer an equivalent benefit to the Premium Waiver option.

Integrity – Here For You
 
Where 100% of the cover amount is paid, the Professional Services Benefit reimburses you up to $3,000 for costs associated with obtaining financial advice.
 
AIA – Priority Protection
 
On payment of a claim for the full sum insured, AIA offers a similar benefit called the 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.

Integrity – Here For You
 
You are able to access this benefit if you worked in any health or medical occupation. A benefit would be paid to you if you acquired one of the following while working in your usual health or medical occupation:
 
  • Occupationally Acquired Hepatitis B or C, or
  • Occupationally Acquired HIV.
A maximum payment of $500,000 would be paid if you made a successful claim.
 
AIA – Priority Protection
 
AIA offers a similar option at an additional cost called the Needlestick Injury Benefit.
 
Needlestick Injury is only available if you have an Occupation Category of “M-Medical”.
 
The Needlestick Injury option is only available if you hold Life cover. The sum insured for the Needlestick Injury option will be the same as your sum insured for your life cover, up to a maximum of $1 million.
 
For further information on AIA’s Occupation Categories, please see the AIA PDS AIA Priority Protection – Version 29 12/05/2024

Integrity – Here For You
 
Your Integrity – Here For You 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.

Integrity – Here For You
 
Under the Integrity – Here For You policy, you can elect to pay your premiums either Monthly or Annually, at no extra cost.
 
AIA – Priority Protection
 
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.

AIA offers the same premium options as Integrity – Here For You.
 
However, the names (or labels) of AIA premium options have recently been updated in line with the Council of Australian Life Insurers (CALI) recommendations.  
Integrity – Here For You 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 Integrity – Here For You 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 Integrity – Here For You 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 Integrity – Here For You’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

    Integrity – Here For You

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

    This means that when your policy is migrated to AIA, your premiums will be recalculated on AIA’s current Variable rates, based on the age you were when your Integrity – Here For You 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 Priority Protection 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

Holiday Hours
22 December to 24 December our operating hours are reduced to 9:00am–3:00pm AEST.

25 December and 26 December we will be closed due to public holidays.

29 December to 31 December our operating hours are reduced to 9:00am–3:00pm AEST.

We will be closed on 1 January & 2 January 2026.

Send us email:

au.customer@aia.com
 

Send us mail:

PO Box 6111, Melbourne
VIC 3004