MAXLIFE 
  LIFE PROTECT
  Product Disclosure Statement and Policy Document 
  Version 8, Prepared 1 October 2021
          MaxLife Life Protect
          How this Product Disclosure Statement and Policy Document (PDS) works
          this PDS describes the main features of MaxLife Life Protect, including the terms and conditions 
          of the policy as well as any exclusions. Please read it carefully as it is designed to help you decide 
          if MaxLife Life Protect will meet your individual needs. 
          Details in this PDS are of a general nature only and do not take into account your personal 
          circumstances including your objectives, financial situation, needs or any cover you may 
          currently hold.
          You should, before acting on this, consider the appropriateness of the information to your 
          circumstances and read this PDS before deciding to acquire or continue to hold MaxLife Life 
          Protect. if you are not sure you could consider consulting a financial adviser before making any 
          decisions in relation to any financial product.
          Who issues your policy?
          MaxLife Life Protect is issued by aia australia Limited (aBN 79 004 837 861, afSL 230043) 
          trading as MaxLife. Wherever you read the words ‘we’, ‘us’, ‘our’, ‘the insurer’ or ‘aia australia’, 
          this refers to aia australia Limited. 
          Life Protect means MaxLife Life Protect, as described in 
          this PDS.
          Issuing cover
          if we issue cover, it will be issued on the Policy 
          commencement Date by aia australia to you as the Policy                                                  Understanding this PDS
          owner named on the Policy Schedule:                                                                      Some words in this PDS 
          i)     in consideration of the payment of the premium as stated                                          have a special meaning 
                 on the Policy Schedule; and                                                                       – you’ll recognise them 
          ii)    on the basis of the application, declarations and any                                             because they begin with 
                 other statements made by you to us in connection with                                             capital letters. You can 
                 the Policy.                                                                                       find the meanings of these 
          if we issue cover, this PDS will be included in the terms and                                            terms under Definitions on 
          conditions of your Policy. Please see page 44 for a list of the                                          pages 41 to 46.
          documents that will make up your Policy.
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                                                                                     MaxLife Life Protect
       a few points before we get started...
       aia australia has prepared a target Market Determination 
       which describes the class of consumers that comprise 
       the target market for this product. the target Market 
       Determination can be sourced at aia.com.au/tmds 
       the Life insured is the Policy owner.                               You, your, we, our and us
       •  a Policy is an agreement between you, as the Policy owner,       in this PDS:
         and us. You have the right to instruct us in relation to the      You and your refers to any 
         Policy (for example by making claims, by asking us to             existing or potential customer 
         change Policy features as permitted under the terms of the        who is, or is likely to become, 
         Policy, by exercising options under the Policy terms and          the Life insured and Policy 
         by asking us to cancel the Policy). You are responsible for       owner under the Policy.
         paying all the premiums under the Policy.                         We, us, our, the insurer 
       •  “Your premium” is the premium referable to benefits              or aia australia, refers to 
         covering you as the Life insured. also, “your Sum insured”        aia australia Limited.
         is the sum insured of a benefit covering you as the Life 
         insured and “your benefit” or “your cover” are references 
         to benefits covering you as the Life insured.
       •  an insured benefit covering you as the Life insured is payable when you suffer an insured event 
         in accordance with the terms of the Policy.
       •  We will pay a benefit covering you as the Life insured in the terms of the Policy as set out in this 
         PDS. See the “Who receives the benefit?” section of this PDS on page 24 for further information.
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   MaxLife Life Protect
   CONTENTS
   How this Product Disclosure Statement and Policy Document (PDS) works ...................... 2
   About MaxLife Life Protect ................................................................................................................. 6
   Why choose MaxLife Life Protect ................................................................................................... 7
   MaxLife Life Protect overview ......................................................................................................... 8
   Applying for cover ............................................................................................................................. 10
   When does your cover start and stop? ........................................................................................11
   if you change your mind – the cooling-off period ....................................................................11
   What you’re covered for ................................................................................................................... 12
   Main benefit ......................................................................................................................................12
     Life cover ........................................................................................................................................12
   additional cover options  ................................................................................................................13
     total and Permanent Disability (tPD) cover ..........................................................................13
     trauma cover .................................................................................................................................16
   What you’re not covered for  ...........................................................................................................20
   AIA Vitality .........................................................................................................................................22
   aia Vitality eligibility requirements .............................................................................................22
   How the claims process works ........................................................................................................ 24
   if you need to make a claim ...........................................................................................................24
   Premiums and charges .....................................................................................................................25
   Premium discounts  .........................................................................................................................27
   Cancelling or changing your cover or personal information .......................................................29
   Benefit indexation ............................................................................................................................30
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