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Life Insurance Complaint Handling Process

If you have a complaint about your insurance or the service AAMI Life has provided (including AAMI Life’s obligations under the Life Insurance Code of Practice) or if you are experiencing financial hardship, please contact AAMI Life to let them know your concerns. AAMI Life will do all we can to resolve your complaint as quickly as possible.

How to contact us with a complaint

Contact the AAMI Life team

The first thing you can do is let AAMI Life know what has occurred. Call the Customer Service Centre on 13 22 44 or contact us by email. One of the AAMI Life consultants may be able to resolve the issue immediately or within 5 business days.

If not, the next step is talking with the Internal Dispute Resolution team.

Contact the Internal Dispute Resolution (IDR) team

If the AAMI Life customer service consultant cannot resolve your complaint straight away or within 5 business days, they will escalate your complaint to the IDR team. You may also contact the IDR team directly on:

1300 795 877

GPO Box 5380 Sydney NSW 2001

To help AAMI Life deal with your complaint quickly, please include the following information:

  • The word 'Complaint' in the heading or subject line
  • Your name and contact details, including your daytime phone number and email address
  • Details of your complaint
  • Copies of any relevant documents
  • Your desired outcome

We recommend you keep a copy of your complaint and original documents for your records.

AAMI Life will acknowledge receipt of your complaint in writing within 48 hours. The acknowledgment will include:

  • Your unique IDR complaints reference number
  • Date we received your complaint
  • Contact details for the IDR Specialist allocated to your complaint
  • Confirmation that you will be provided with an update on the progress of your complaint at least every 20 business days, unless an alternative arrangement has been made with you.
  • Timeframe in which AAMI Life will aim to resolve your complaint. Depending on the type of insurance you have with us, this will be a maximum of 45 or 90 days.

AAMI Life always aims to resolve your complaint as quickly as possible. If AAMI Life is unable to resolve your complaint within the maximum period, they will inform you of the reasons for the delay and let you know when to expect a response to your complaint. If you are unhappy with the delay, you can escalate your complaint to an external organisation as outlined in step 3 below.

In AAMI Life’s final response to your complaint, they will provide a written explanation of:

  • our investigation into your complaint
  • attempts to resolve your complaint,
  • reasons for our decision
  • how you can access any documents considered
  • how you can escalate the complaint to an external organisation (and their contact details) if your complaint has not been resolved to your complete satisfaction (as outlined in step 3).

Contact an external organisation

The Australian Financial Complaints Authority (AFCA) provides fair and independent financial services complaint resolution that is free to consumers. If your complaint has not been resolved to your complete satisfaction, you can lodge a complaint with AFCA:

1800 931 678 (free call)

Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001

Time limits may apply to complaints to AFCA. You may wish to consult the AFCA website or contact AFCA directly to find out if there is a time limit on lodging a complaint with AFCA.

Do you need assistance to make a complaint?

If you are deaf or have a hearing or speech impairment you may like to use the National Relay Service.

The Translating and Interpreting Service (TIS National) provides interpreting services to people who do not speak English and to agencies and businesses that need to communicate with their non-English speaking clients. TIS National can be contacted on 131 450.

Can someone else make a complaint on my behalf?

Yes. To protect your privacy, you will need to give us written confirmation that you have authorised another person to assist you with your complaint. You can amend or withdraw this authorisation at any time.

You may not need to wait! Eligible policies can log in to our online services 24/7 to update your address, change your policy details, update your direct debit/card details, change your contact details and more.

You may not need to wait! You can renew eligible policies online 24/7. Find out more

You may not need to wait! You can claim for eligible policies online 24/7. Find out more

You may not need to wait! You can track claims for eligible policies online 24/7. Find out more

Find out how to report insurance fraud

Find out about Dispute Resolution

To have your information reviewed by a consultant, please fill out the following questions to the best of your ability. Providing more information will help us to assist with your enquiry as quickly as possible.

This is located on the top right hand corner of your policy certificate.
This is located on the top right hand corner of your policy certificate.
Please note: Keeping your financial details secure is important to us. Please do not provide your bank account or payment card details in your message.

If you have an AAMI Business Insurance or Market Stall policy, please request your Certificate of Currency here

To cancel your policy, please call us on 13 22 44Mon–Fri, 8am–10pm AEDT / Sat & Sun, 8am–10pm AEDT


Before you submit

Have you done Step 1 above?  Our customer service team is often able to resolve things quickly.

Policy holder

If you're not the AAMI policy holder, please put the name of the AAMI policy holder involved in this appeal.