10. Important information
AIA is not bound by anything contained in a letter or notice you send unless we actually receive the letter or notice at the relevant address. When AIA writes to you about this policy, we will send the letter or notice to the address for the policy owner shown in the schedule , or to the email address(es) provided for the policy owner in the application for this policy, or any substitute postal and/or email address(es) you give us. You must immediately notify AIA of any changes to your contact details including postal, residential or email address. Every notice required to be given to you by AIA shall be deemed to be delivered five days after having been posted, or, where the notice is sent by email, 24 hours after the email has been sent.
What forms part of this policy contract?
All the terms of this policy are contained in and based on:
This policy document including the schedule and any alterations made as permitted under the policy. Any application forms and declarations made by you or the life assured , at any time, concerning this policy.
All statements which the life assured has made to AIA .
Any provisions which any legislation states must be included in this contract, unless those provisions can be contracted out of, in which case they are not included.
Nothing else forms part of this contract.
Information about your policy
Policy subject to laws of New Zealand
Shortly before each anniversary date , AIA will send you a letter containing information about your policy. You may at any time write to AIA or your adviser for further information about your policy.
The laws of New Zealand govern this policy, which has been issued in New Zealand. If changes in the law occur after the risk commencement date and AIA believes on reasonable grounds that those changes will affect:
Worldwide cover
This policy covers the life assured anywhere in the world. All payments AIA makes under this policy will be in New Zealand dollars.
AIA’s liability to pay any tax; or
The tax treatment of any premiums payable or claims receivable in respect of the policy (such as GST); or The way in which the policy works or the amount which can be paid under benefits; then AIA can change the provisions of the policy or the benefits, but only to take into account the effect of the law change.
How do you make a complaint?
Complaints by policy owners to AIA must be made in writing. If the policy owner is not satisfied with the outcome of the complaint, they may have the right to refer the complaint to the Insurance and Financial Services Ombudsman . The Ombudsman can only deal with a complaint after AIA’s internal complaints procedure has been exhausted and a letter acknowledging this has been sent to the complainant. You can obtain more information about the Ombudsman from the website: www.ifso.nz
Statutory Fund
Your insurance policy is part of the Statutory Fund Number 1.
Notices
The Ombudsman’s address is:
When you write to AIA about this policy, you must send the letter to AIA’s head office in New Zealand, or a substitute address AIA gives you.
Insurance and Financial Services Ombudsman PO Box 10-845 Wellington 6143 Phone: (04) 499 7612 or 0800 888 202
The postal address of AIA’s head office is:
Freepost AIA Private Bag 92499 Victoria Street West Auckland 1142 New Zealand
No surrender value
This policy does not participate in the profits of AIA . The policy has no surrender value or cash value if it is cancelled.
The street address of AIA’s head office is:
AIA New Zealand Limited AIA House 74 Taharoto Road Takapuna Auckland 0622 New Zealand
If more than one person owns this policy, all the policy owners must sign any letter or notice to AIA . However, AIA will not be liable to any policy owner if we act on a letter or notice signed by one or more, but not all, of the policy owners .
1400 A-CFL version 1 Effective 20 March 2026
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