Finder makes money from featured partners, but editorial opinions are our own.

AIA Vitality

Learn about the benefits of AIA Vitality's health and wellbeing programme and see how you can take advantage of member perks and discounts of up to 50%.

What is it? AIA Vitality is a wellbeing program that rewards your healthy lifestyle with discounted premiums and ongoing shopping and lifestyle rewards.

Features and benefits at a glance

  • Ongoing savings on AIA insurance policies
  • Tools to track and improve your health
  • Discounts on shopping, lifestyle and travel products
  • Wide range of health and fitness resources to help you stay healthy

How the AIA Vitality program works

After you purchase an eligible AIA life insurance policy, you’re automatically eligible to sign up for AIA Vitality.

➡️ Skip ahead: Get AIA life insurance through a broker.

1. Discounts on your life insurance policy

  • Receive an immediate discount on your policy as soon as you sign up.
  • Enjoy ongoing premium discounts: Your initial premium discount is only temporary, and the only way to keep it is by earning enough Vitality points for gold status. If you haven't reached gold, your discount gets reduced little by little every year. With gold status, your discount remains the same. With platinum status, your discount can actually increase.
  • You'll also get access to an online members hub where you can track your fitness levels and learn how to improve your health.

2. Extra rewards for staying active (Vitality points)

After signing up, the program encourages you to stay active by offering a point earning system to unlock more rewards:

  • ‘Vitality Points’ makes learning about your health fun. It feels like a game by letting you earn points for various fitness-related tasks like taking an online health assessment or getting a dental check up. The more points you earn, the higher your membership status becomes: you start out at bronze and can move up to silver, gold and platinum.
  • A great variety of rewards are offered. The higher your membership status becomes, the more rewards you can earn. For example, a discounted Fitbit.

3. Exclusive rewards for simply being a member

You'll get access to some automatic rewards as an AIA Vitality member. These currently include:

  • Up to 50% off movie vouchers
  • Up to 50% cash back on eligible domestic and international flights
  • Up to 50% off spa and beauty e-Gift cards
  • Discounts on gym memberships at Fitness First, Anytime Fitness and Virgin Active

How the AIA Vitality points system works

The AIA Vitality program uses a points system to encourage you to remain fit and active. The more points you earn, the higher your status becomes. And the higher your status becomes, the more rewards you can unlock.

Here’s how many points you need to reach each status:

  • Bronze. None. You start off at bronze when you join.
  • Silver. 10,000 points.
  • Gold. 20,000 points.
  • Platinum. 30,000 points.

How can I earn points in the AIA Vitality program?

Points can be earned in two ways:

Knowing your health

In order to get healthier, you first have to know what your health status is. Members can earn points by completing a number of educational health assessments, such as the mental wellbeing assessment, weight and height assessment, dental check up, or even receiving a flu vaccination.

Improving your health

The active steps you take to get healthier can entitle you to more reward points. Going to the gym, going for a walk, run or meditating can earn you points. Discounts with partners like Anytime Fitness and Fitbit can also help you improve your health.

What life insurance benefits can I get from AIA Vitality?

The most substantial reward offered under AIA Vitality is in the reduction of life insurance premiums. Members who sign up for a lump sum policy receive an initial annual discount of 12.5% off premiums. This annual discount increases (to a maximum of 20%) as you move up through the membership tiers. Here's how it works:

AIA Vitality Life Insurance Premium Discounts Explained

Additional discounts and rewards available to you

Aside from rewards redeemed from your accumulated AIA Vitality points (see the full rundown of points rewards here, you can reap a range of benefits with AIA Australia’s commercial partners. The maximum discount applies for Platinum status, and lesser for Bronze, Silver and Gold members.

AIA's PartnersBenefits
HOYTS50% off movie vouchers at HOYTS, HOYTS Lux, CMAX, Majestic and Grand Cinemas (Max. of 6 tickets per month).
Endota SpaUp to 50% off (Max. of 4 vouchers per membership year).
Amazon, Bunnings, House, Myer, Ticketmaster, rebel, participating AFL clubs, Commonwealth Bank$20/$40/$60/$80/$100/$200 eGift card at your choice of these retail partners - once you hit 10,000 points and for every additional 5,000 you reach thereafter. (Capped at 35,000 points per membership year).
Virgin Australia, Singapore AirlinesUp to 50% cashback on the base fare of eligible domestic flights by Virgin Australia and Singapore Airlines,
plus Delta flights to/from Los Angeles. Flights must be booked via the Virgin Australia booking portal
Spend: Uber, Uber Eats, Google Play, App Store & iTunes, participating AFL clubs, Optus – Apple Watch Series 6 (GPS & Cellular). Donate: Black Dog Institute, Cancer Council, Diabetes Australia, Youngcare, The Forktree Project. Save: Commonweath BankReceive a $5 voucher per week (if you hit your personalised Active Benefits target, excluding points earned through organised fitness events) to either spend on these listed retailers, charities or deposit into your nominated CBA account.

Why compare life insurance with Finder?

  • You pay the same price as buying directly from the life insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We've done 100+ hours of policy research to help you understand what you're comparing.

How can I join the AIA Vitality program?

AIA doesn't sell insurance directly so you’ll have to go through one of their AIA life insurance resellers or through a broker.
Some health insurers also offer it. The life cover resellers currently offering AIA membership are:

  • MaxLife
  • RACQ
  • RAC
  • Life Insurance Direct

Sign up to AIA Vitality in 6 simple steps:

  1. Head to AIA's life insurance products.
  2. Select the cover you want and click 'Find an adviser near you'.
  3. Fill in and submit the adviser form. Alternatively, you can fill in the insurance broker form below to purchase an AIA life insurance policy.
  4. After submitting the online form, you will receive two emails. One from your insurer containing your membership number, and another from AIA Vitality that should arrive a day or two later.
  5. Follow the link in the AIA email which will lead you to the AIA Vitality registration page.
  6. Pop in your personal details and your life insurance policy membership number from the first email.

Voila! You’re now enrolled in AIA Vitality and have access to all those sweet, sweet perks!

Get in touch with a broker about a life insurance quote from AIA

Why you can trust Finder's life insurance experts


We're free

You pay the same as buying directly from the life insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of life insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 250+ guides to make it easier for you to compare.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of life insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2016, we've helped 270,000+ people find life insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions

More guides on Finder

Go to site