Contents
1
What are your policy benefits
3
2
Enhancement Pass Back Benefit
3
3
What are your cover options?
3
Benefit indexation type
Level cover
Inflation cover
Voluntary alterations to cover
4
Your premiums
3
Premium
Method of paying premiums
What happens if you do not pay the premium on time?
When can the premium change?
Premium type
Premium discounts
Other circumstances that can change your premium
How will you know what to pay?
5
How to make a claim
5
6
When can your policy be cancelled?
5
When can you cancel your policy?
When can AIA cancel your policy?
7
Important Information
6
What forms part of this policy contract?
Law changes affecting AIA or the policy
Statutory Fund
Policy subject to laws of New Zealand
Notices
Transfer of ownership
Information about your policy
Worldwide cover
How do you make a complaint?
No surrender value
8
Key Terms
7
1100 AL-UMB version 8 Effective 12 May 2026
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