Quit smoking

If you used to smoke and have quit for at least 12 months, let us know. You may be able to lower your premiums and save.

What you need to know

  • Quitting smoking is a great step towards a healthier and longer life. It can also help reduce your premiums.
  • To apply for non-smoker rates, just complete a short form, called the non-smoker declaration form.

  • After you submit your form, we’ll send you a letter within seven business days confirming any changes to your premium.

What happens next

More complex needs?

You should also speak to a financial adviser if, for example:
 
  • You hold a policy through a Self-Managed Super Fund (SMSF),
  • You have a policy owned by a company, or
  • You have more than one person insured under the same policy.
If you don’t have a financial adviser, you can follow the link below to find one.

Take control of your insurance

Stop automatic increases

You can choose to stop your cover from going up each year with inflation and save up to 5%.

 

Learn more >

Pay yearly

Switch to annual payments and save up to 8%.


 

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Lock in your premium

Keep your premium the same, by reducing your cover amount each year.

 

Learn more >

Join AIA Vitality

Join our health and wellbeing program and save on your premiums.

 

Learn more >

Change your TPD option

Switch from Total and Permanent Disablement cover with an “Own Occupation” definition to TPD with a narrower “Any Occupation” definition and save up to 45%.

Learn more >

Review your cover

Check if your cover still fits your current lifestyle and needs with the help of a financial adviser.

 

Learn more >

Get health cover

Join AIA Health and save 5% off your AIA Priority Protection insurance premiums.

 

Learn more >

Make sure you read your PDS and any updates to understand the full details.