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Life Insurance

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


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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.^^

Financial planning advice to help you

Services are provided by Bendigo Financial Planning Limited

If you’d like help to work out the type of insurance you need and for what amount, our financial planners can assist. They 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

Bendigo Financial Planning Disclaimer | Financial Services Guide


Life insurance as part of your superannuation

Bendigo SmartStart Super® issued by Sandhurst Trustees Limited

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.

Sandhurst Trustees Limited disclaimer | 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 6pm (AEST)


Bendigo Life Customer Service
PO Box 6143
Melbourne VIC 3004

*MaxLife life insurance products form part of the Bendigo Life® suite of products. The Bendigo Life suite of products are issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL 237879 (Bendigo Bank) is a distributor of the Bendigo Life suite of products only; it does not sell, issue or guarantee these products.
^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 planning services are provided by Bendigo Financial Planning Limited, ABN 81 087 585 073 AFSL 237898, a subsidiary of the Bendigo and Adelaide Bank Limited.
Bendigo Financial Planning and its related entities may receive remuneration or other benefits on the issue of any product or service they provide including remuneration or other benefits received from other non-related companies, full details of which are contained in the Financial Services Guide (FSG). You should consider your situation and read the relevant offer document before making an investment decision.
This information has been prepared by Bendigo Financial Planning Limited ABN 81 087 585 073, AFSL 237898. It is provided as general information and must not be relied upon as a substitute for financial planning, legal, tax or other professional advice. The information is given in good faith, believed to be accurate at its issue date and should not be considered a comprehensive statement on any matter nor relied upon as such. Bendigo Financial Planning Limited (including its related entities, employees and directors) does not give any warranty of reliability or accuracy or accept any responsibility arising in any way including by reason of negligence for errors or omissions in the information contained in this website. Neither Bendigo Financial Planning Limited nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.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 Limited or the Bendigo and Adelaide Bank of the products offered by the site owner.
Refer to the Bendigo and Adelaide Bank terms of use for information that governs this website.
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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.

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