£40 M&S vouchers or £50 M&S vouchers if you’re an AA member
AA life cover is a simple and affordable way to protect your family if you're no longer there to provide for them. Our life cover will pay a cash sum if you die during the policy term. The amount of this pay out will depend on the type of policy you buy and the level of cover you choose.
With our life insurance there are two types of policy to choose from – level or decreasing.
Once you've chosen your level of cover and how long you want the cover to last, the amount the policy will pay on your death will remain the same, regardless of when you die during the policy term. Your monthly premiums are also guaranteed to remain the same throughout the policy term. Find out more about level life cover.
Sometimes known as 'mortgage life cover', the amount this policy pays out will decrease over time. Many people choose to do this in line with their outstanding mortgage. As with level life cover, your monthly premiums are guaranteed to remain the same throughout the policy term. Find out more about decreasing life cover.
If you're not sure what type of cover is best for you or would like to find out how much cover would cost you, call our team on 0800 107 6642.
* £40 M&S vouchers, or £50 for AA members, when you take out life insurance. You will receive your gift once you've paid your first three months' premiums. Please allow 28 days for delivery. One gift per person. Joint applicants will only receive one amount of M&S vouchers. We reserve the right to change this promotion at any time.
Automobile Association Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA). You can check on the FSA's register by visiting the FSA's website www.fsa.gov.uk (link opens a new window) or by contacting the FSA on 0845 606 1234.
Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered number: 2414212 England.
AA Life Insurance is provided by Friends Life and Pensions Limited.
£40 M&S vouchers or £50 M&S vouchers if you’re an AA member
From just £5 a month,* this life cover policy will pay a cash sum if you die during the policy term. This could be important for your family and help maintain your family's standard of living. You can choose how much cover you need and how long you want it to last.
This product is provided by Friends Life and Pensions Limited.
Get level life cover
For extra protection you can choose critical illness cover. This means you will receive your cash sum if you are diagnosed with a critical illness covered by your policy. Illnesses covered include many cancers, multiple sclerosis, heart attack or stroke.
You can apply for this cover online or by phone – call free on 0800 107 6642.
Critical illness with life cover
* £5 per month is based on a healthy individual, aged 30 years, non-smoker, who requires £63,000 level term life insurance cover over 10 years. The actual premiums will depend on individual circumstances and requirements. These figures are correct at December 2012.
** £40 M&S vouchers, or £50 for AA members, when you take out life insurance. You will receive your gift once you've paid your first three months' premiums. Please allow 28 days for delivery. One gift per person. Joint applicants will only receive one amount of M&S vouchers. We reserve the right to change this promotion at any time.
£40 M&S vouchers or £50 M&S vouchers if you’re an AA member
Could your family pay the mortgage if you weren't around? Our decreasing life cover is designed to help repay the outstanding balance on your repayment mortgage if you die.
The amount of cover decreases monthly in line with the capital due on a standard repayment mortgage with an interest rate of 10% a year.
You can choose how much cover you need and how long you want it to last.
This product is provided by Friends Life and Pensions Limited.
Get decreasing life cover
For extra protection you can choose critical illness cover. This means you will receive your cash sum if you are diagnosed with a critical illness covered by your policy. Illnesses covered include many cancers, multiple sclerosis, heart attack or stroke.
You can apply for this cover online or by phone – call free on 0800 107 6642.
Critical illness with life cover
* £5 per month is based on a healthy individual, aged 30 years, non-smoker, who requires £63,000 level term life insurance cover over 10 years. The actual premiums will depend on individual circumstances and requirements. These figures are correct at December 2012.
** £40 M&S vouchers, or £50 for AA members, when you take out life insurance. You will receive your gift once you've paid your first three months' premiums. Please allow 28 days for delivery. One gift per person. Joint applicants will only receive one amount of M&S vouchers. We reserve the right to change this promotion at any time.
£40 M&S vouchers or £50 M&S vouchers if you’re an AA member
Life insurance provides security for your family if you are no longer there. For extra protection you can choose critical illness with life cover.
This means you will receive your cash sum if you die, are diagnosed with a terminal illness, total permanent disability or a critical illness covered by your policy, including many cancers, multiple sclerosis, heart attack or stroke. Full details of the illnesses covered are available in the Simplified guide to critical illness
When you apply for our critical illness with life cover, specific illnesses may sometimes be excluded from your cover. If this happens you'll be told before your policy starts.
Get critical illness with life cover
This product is provided by Friends Life and Pensions Limited.
* £5 per month is based on a healthy individual, aged 30 years, non-smoker, who requires £63,000 level term life insurance cover over 10 years. The actual premiums will depend on individual circumstances and requirements. These figures are correct at December 2012.
** £40 M&S vouchers, or £50 for AA members, when you take out life insurance. You will receive your gift once you've paid your first three months' premiums. Please allow 28 days for delivery. One gift per person. Joint applicants will only receive one amount of M&S vouchers. We reserve the right to change this promotion at any time.
With an easy online application form, it's simple to apply for life cover. Before you take out cover it is important to read all of the product information. Please print or save the documents below so you can read and refer to them in the future.
Key facts and policy conditions – life cover
Key facts – critical illness with life cover
Policy conditions – critical illness with life cover
Simplified guide to critical illness
Important information about our insurance services
Best Doctors® is a unique global network of the world's leading medical experts, supported by a caring service team. They can provide additional expert advice and support if you, your partner or children are diagnosed with a serious illness – help when you need it most.
Find out more about Best Doctors®
Please note: Best Doctors® is a non-contractural benefit that can be withdrawn at any time.
To view these PDF files you'll need Adobe Acrobat
Do I need life cover?
If you have a partner or family who depend on your regular income, you need to be sure they would cope financially if you were no longer around. They would still have to find money to pay the mortgage, buy food, cover the bills and even keep the family car running. Level life cover could help to maintain your family's standard of living. Alternatively, decreasing life cover could be used to pay off your outstanding mortgage and protect the family home.
I already have life cover. Do I need more?
You need to review your life cover regularly to make sure it's still appropriate for your circumstances. You may need to top up your life cover if you've recently had children, moved home or changed your job. Also, inflation may have reduced the value of any life cover you have taken out in the past, so it's worth checking whether your cover would still meet your family's needs.
What is life insurance and how does it work?
Level life cover will pay out a fixed cash lump sum if you die during the policy term as long as you keep paying your premiums. The sum is set at the start of your policy. Your family can use the money however they choose. Decreasing life cover is designed to reduce each month during the policy term on the same basis as the capital on a standard repayment mortgage reduces with an interest rate of 10% a year. With either policy, your premiums stay the same and you can choose how much cover you need and how long you want it to last. Your policy can cover you and your partner if you wish, and it will pay out upon first death and the policy will cease. AA Life cover does not have any cash-in value.
How much life cover do I need?
You can choose how much cover you need and how long you want it to last. When you apply, you will be able to choose different options.
Will I need a medical?
You will not be asked to undergo a medical exam. We may ask for a short written report from your GP taken from your medical records, but if this is the case we will let you know what we are asking for and why, and we will need your permission to do so. However, you should not assume we will ask your doctor for any information, so you need to give us all the information we ask for.
When is it best to take out life cover?
The cost of life cover gets more expensive the older you get so you may benefit by taking out life cover early.
Who can take out AA Life cover?
AA Life cover can be taken out by any UK resident aged 17 to 64. You can take out cover as a single policy (for you) or a joint policy (you and your partner). If you take out cover for two people it will payout once, when the first person dies, and then the policy will end.
Who can take out AA Critical Illness with life cover?
AA Critical Illness with life cover can be taken out by any UK resident aged 17 to 59. If you choose critical illness cover it will payout when the first person is diagnosed with a terminal illness, total permanent disability or a critical illness covered by the policy.
Do I need joint life cover?
If you have joint financial responsibilities you can take out a joint policy which covers both of you but only pays out when the first one of you dies.
How are my life insurance premiums calculated?
When calculating your life insurance premium, we take into account a range of factors including your age, whether you smoke, your medical history, the amount of cover you need, the length of time you would like your cover to last, the type of life cover you require. If medical (or other risk) factors indicate you are more likely to claim, then your premium will increase or you may be refused cover altogether.
What if I can't afford my premiums?
If you miss a premium we'll keep your plan going for 31 days. If you do not pay it within this time we'll stop you plan and your cover will end.
How do I make a claim?
A claim can only be made if you die or, if you have critical illness cover, are diagnosed with a terminal illness, total permanent disability or critical illness within the term of the policy. Your partner or dependants should call the claims telephone number in your policy conditions. Make sure they are aware of where the policy details are kept. The cash lump sum will be paid to your estate and may be subject to inheritance tax. However it is possible to write your policy in trust, in which case it will be paid directly to the trustees you nominate, tax free (if in an appropriate trust), without having to wait for probate. For a draft trust form please call us free on 0800 294 4837.
How do I pay my policy premiums?
Payments are made monthly by direct debit.
What happens if I already suffer with a specific medical condition?
You must tell us at the time of your application and we will let you know whether we can accept your application or whether your premium is affected. Failure to disclose a pre-existing medical condition which we have asked about may result in a claim not being paid.
Does a joint policy mean that the sum insured will be paid out twice?
No, the life cover that is detailed in your quote and confirmed in your policy document is the amount paid in the event of a single valid claim. A valid claim will be paid if either joint policy holder dies or is diagnosed with a critical illness (where critical illness is covered). The policy will then end and no further benefits will be paid.
Back to topHow can I contact you?
Call one of our team on 0845 602 9199. Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm, Sunday 10am to 5pm.
Back to topFor a quote or existing policies
0800 107 6642
Mon–Fri 8am–8pm,
Sat 9am–5pm,
Sun 10am–5pm
