--- title: Does your client need life insurance? Ask these questions and find out! description: Learn how to refer clients to AIA for life or health insurance and benefit from AIA’s support and referral payments. image: https://afgonline-com-au-2946851.hs-sites.com/hubfs/pm_update_mar%20(1).png --- # Does your client need life insurance? Ask these questions and find out! [ AFG ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/author/afg) 25 March 2025 2:15:13 PM ![](https://afgonline-com-au-2946851.hs-sites.com/hubfs/pm_update_mar%20(1).png) When it comes to loans, you know how to get the best deal for your client. And if you’re registered to refer your clients to AIA for life or health insurance, then you probably understand the benefits of having that kind of personal protection in place. But how do you raise the subject? Insurance can be a difficult topic to talk about because it involves thinking about worst case scenarios. But that’s exactly why it’s so important. As a broker, you don’t need to be an expert in insurance, but you can refer your clients to the experts at AIA Financial Wellbeing who can explain the options, provide a quote and help them apply. Download AIA’s handy [**Life Insurance Conversation Guide**](https://www.aia.com.au/content/dam/au-wise/en/docs/aia-financial-wellbeing/partners/conversation-guide-and-objection-handling.pdf) for the questions you can ask to help your clients consider their need for income protection and life insurance, at different stages of the home loan journey. Tip: The Conversation Guide can be found with other handy tools and info on the [**AIA Broker Hub**](https://www.aia.com.au/en/financial-wellbeing/partner/afg).   ## **How to refer** Referring your clients to AIA Financial Wellbeing is easy. Just complete the referral form and AIA will do the rest. They’ll also update you at all key milestones of your client’s journey with AIA, so you’ll always know where they’re at. A successful sale means a better protected client and a referral payment to you. [Refer a client today](https://www.aia.com.au/en/financial-wellbeing/get-in-touch/initial-chat?id=afg).   ## Start referring today If you are already accredited with AIA Financial Wellbeing and have clients you are ready to refer for life cover, income protection or health insurance you can do so by completing the [Referral form](https://www.aia.com.au/en/financial-wellbeing/get-in-touch/initial-chat?id=afg) and AIA will do the rest. [Lender Spotlight](http://afgonline-com-au-2946851.hs-sites.com/pm-update/tag/lender-spotlight) [Partner Connect](http://afgonline-com-au-2946851.hs-sites.com/pm-update/tag/partner-connect) [18 October 2024 2:17:24 PM Why AIA Health insurance can be great for you and your clients ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/why-aia-health-insurance-can-be-great-for-you-and-your-clients) [6 May 2024 12:34:09 PM How AIA Financial Wellbeing can help your clients ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/how-aia-financial-wellbeing-can-help-your-clients) [16 May 2025 1:52:18 PM Optimise your tax by protecting your income ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/optimise-your-tax-by-protecting-your-income) ## Recommended Articles [![Introducing the new commercial asset finance calculator](https://afgonline-com-au-2946851.hs-sites.com/hubfs/pm_update_mar%20copy.png) Introducing the new commercial asset finance calculator ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/introducing-the-new-commercial-asset-finance-calculator) [![How the 2025–26 Federal Budget impacts mortgage brokers](https://afgonline-com-au-2946851.hs-sites.com/hubfs/pm_update_federal_budget_25.png) How the 2025–26 Federal Budget impacts mortgage brokers ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/how-the-2025-26-federal-budget-impacts-mortgage-brokers) ## Stay up to date with the latest updates View all of the latest articles to help enable you to grow and succeed as a mortgage broker with AFG. [ View all ](https://afgonline-com-au-2946851.hs-sites.com/pm-update)