Skip to main content

Life Insurance

Life insurance is not just about what happens when you die, it's also about what happens when you live.


One of Australia's most trusted brands1
One of Australia's biggest banks
A top 100 ASX listed Company

Life insurance now

Features of MaxLife Life Insurance

MaxLife life insurance products are issued by AIA Australia*

Bendigo Bank has partnered with AIA Australia to bring you MaxLife Life Insurance, a comprehensive suite of insurance products designed to meet the needs of everyday Australians. AIA Australia is one of the world’s leading life insurance specialists, protecting and enhancing the lives of more than 3.5 million Australians.

With MaxLife Insurance you may get access to AIA Vitality^ - a personalised, scientifically-backed program that rewards your healthy lifestyle with a premium discount of up to 10% if you achieve AIA Vitality Silver status or higher.^^

Discounts available

  • 1
    Enjoy a 5% Partner discount for you and your partner when you both take out MaxLife Income Protect or MaxLife Life Protect policies2
  • 2
    Purchase both a MaxLife Life Protect Policy and a MaxLife Income Protect Policy for a 5% ongoing discount across both policies3
  • 3
    Where you also have an AIA Health Insurance policy, you will receive a 5% discount on your MaxLife Income Protect Policy4

Get advice

Financial advice from a qualified expert

If you’d like help to work out the type of insurance you need and for what amount, we can help.

Please get in touch with your local branch, call 1300 236 344 or complete this form. A member of our Wealth team will get in touch to understand your needs, and can assist you personally or arrange a meeting with a financial planner if you require personal financial advice.

Our financial planning partners have specialist understanding of personal, business and family protection for:

  • Life insurance
  • Total and permanent disablement
  • Trauma cover
  • Income protection cover
  • Business owner’s insurance

Use your super

Life insurance as part of your superannuation

Bendigo SmartStart Super® is issued by Bendigo Superannuation Pty Ltd

The main benefit of getting life insurance through your superannuation is that you don’t need to pay for it from your cash flow - your insurance premium is deducted from your super.

When you join SmartStart Super, you’re automatically issued with default Death and Total & Permanent Disablement (TPD) insurance* unless you choose to cancel.

For more information on your insurance options, go to SmartStart Super or call us on 1800 033 426.

*Eligibility conditions apply. Refer to the Insurance Guide for further information.

View offer documents

Frequently Asked Questions

AIA Australia Limited is an independent life insurance specialist with over 40 years of experience building successful partnerships. One of the country’s leading life insurers, AIA Australia offers a range of products that help protect the financial health and welfare of more than three million Australians.
AIA Australia is the country’s largest group life insurer by market share and works closely with major financial institutions and corporate partners to provide life insurance solutions for their customers.

If you are a member of a superannuation fund you might already have some life insurance cover. However, the type of cover or the level of cover within your super fund may be less than the insurance cover you actually need. It’s important to find out what type and level of insurance you have, you can do this by asking your super fund. Then you can assess where you stand, and decide whether you need extra cover.

Yes, you can increase or decrease your cover. Conditions apply, so contact us to find out more.

AIA Vitality makes your insurance more than just protection – it’s a personalised scientifically-backed program that supports you every day to make healthier lifestyle choices. It shows you how healthy you are now, provides the tool to start improving your health right away, and offers rewards to keep you motivated along the way.

With AIA Vitality you’ll also receive up to 10% off your MaxLife insurance premiums when you get to AIA Vitality Silver status or higher^.

To be eligible to join the AIA Vitality program your annual insurance premium needs to be equal to or greater than $750 per policy.

Find out more.

You don’t need to have any medical examinations or blood tests to take out a MaxLife policy. However you may be asked some questions about your health and medical history to determine your premiums.

Yes, if you are the Policy owner you will be asked if you would like to nominate a beneficiary or beneficiaries under your policy when you apply for cover. You can nominate up to 5 persons to receive your benefit and the percentage of benefit they each receive.

Contact AIA insurance to cancel your policy:


Call:   1800 104 338

Can we help you?


Monday to Friday, 9am to 5pm (AEST/AEDT)


Bendigo Life Customer Service
PO Box 6143
Melbourne VIC 3004

Things you should know

1 Source: Roy Morgan Risk Monitor 2020

2To be eligible for the Partner discount, you and your Partner must be living at the same residential address and have purchased both policies on or after 1 October 2021.The discount will continue to apply whilst both eligible policies remain in place. For discount terms please refer to the PDS.

3Both MaxLife policies must insure the same person (same name, date of birth and address must be listed on both policies). If you qualify, the discount will be applied to eligible policies issued on or after 1 October 2021. The discount will continue to apply whilst both eligible policies remain in force. For discount terms please refer to the PDS.

4You must hold both an eligible AIA Health Insurance Policy purchased through a non-bank aligned AIA Health partner and a MaxLife Income Protect Policy. Both policies must insure the same person (same name, date of birth and address must be listed on both policies). The discount will continue to apply to your MaxLife Income Protect policy whilst both eligible policies remain in force.

The MaxLife suite of products is distributed by AIA Financial Services Limited ABN 68 008 540 252, AFSL 231109, including through its authorised representatives, and is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). In arranging insurance policies, the Bank acts under its own AFSL and an agreement with the insurer.

Information is of a general nature only. You should consider the relevant Product Disclosure Statement (PDS) available online and whether or not the insurance is appropriate for you before deciding whether to acquire the insurance. Policy conditions, limitations and exclusions apply.

Target Market Determinations for products are available.

^ Eligibility for membership to the AIA Vitality program arises under and is subject to the AIA Vitality terms and conditions. Access to the AIA Vitality program requires your annual premium to be equal to or greater than $750 per person per policy.

^^ Reach AIA Vitality Silver status or above and you'll get up to 10% off your MaxLife Life Protect or MaxLife Income Protect premium at your next Policy Anniversary Date. Maintain AIA Vitality Silver status or above to keep the discount each year.

Financial Advice

Wealth Concierge is a service provided by Bendigo Financial Planning Limited (AFSL 237898) a subsidiary of Bendigo and Adelaide Bank Limited. Any advice provided to you is general advice only, your personal and financial circumstances have not been taken into account. You should consider the appropriateness of any advice given before making an investment decision. Please read the Financial Services Guide for important information relating to our services.

Neither Bendigo Financial Planning nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Bendigo Financial Planning and Bendigo and Adelaide Bank of the products or services offered by the site owner.  

Bendigo Superannuation

Bendigo Superannuation Pty Ltd ABN 23 644 620 128 AFSL 534006 (Bendigo Super) is the trustee and issuer of Bendigo SmartStart Super and Bendigo SmartStart Pension (products). Bendigo Super is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 (Bank). Each of these companies receives remuneration on the issue of the products or services they provide, full details of which are contained in the relevant Product Disclosure Statement (PDS). Bendigo Super, the Bank and its related entities do not guarantee the repayment of capital invested, the payment of income or products’ investment performance. An investment in these products does not represent a deposit with, or liability of Bendigo Super, the Bank or its related entities. The Bank does not stand behind or guarantee the performance of Bendigo Super in its capacity as trustee and issuer of the products. Bendigo Super is not an authorised deposit-taking institution within the meaning of the Banking Act 1959.

Information on the website is subject to change without notice. Any advice in relation to superannuation is provided by Bendigo Super. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant PDS accessible through this site.

Connect with us

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

© Copyright 2022 Bendigo and Adelaide Bank