Why choose us?

There are many over 50s life insurance plans on the market, so why choose the AA?

£25 extra vouchers if you find more cover for the same price

We know that choosing an Over 50 Life Insurance plan is an important decision. To help you make that decision, we’re confident we offer amongst the highest levels of cover available in the market. See how our levels of cover compare.

If, after you've taken out an AA Over 50s Fixed Life Insurance policy, you find you can get a higher sum assured on a fixed payment, guaranteed acceptance Over 50s policy elsewhere, for the same monthly premium or less, we will give you a further £25 in M&S vouchers. All you have to do is write to us with the details of your quote within 30 days of taking out a policy.  Terms and conditions apply.

Cash sum that is payable after just one year

Your cash sum will be paid regardless of the cause of death, if you die at least one year after starting your plan. If you die as a result of an accident within the first year, your cash sum will also be paid in full and if you die from natural causes within the first year, Legal & General will refund any premiums you’ve paid.

Claims promise

Based on their normal claims experience, Legal & General will, on average, pay the cash sum for an AA Over 50s Life Insurance plan within 5 days, providing:

  • They have the death certificate reference and the cause of death; and
  • There is no trust or assignment; and
  • The premium paying account is still open.

Service you can rely on

You'll be in good hands with Legal & General's UK based call centres and claims staff who are trained by The Samaritans.

A provider you can trust

AA Over 50s Life Insurance is provided by Legal & General, one of the UK's leading financial services companies – voted provider of the decade at the 2013 LifeSearch awards. In times of financial uncertainty, it's important to know that you're taking out life cover with a company that will still be around in years to come. Legal & General have been committed to helping to protect their customers for 175 years and have over 7.9 million customers in the UK for their Life Insurance, pensions, investments and general insurance plans as at 31 December 2013, so you know you are in safe hands.

Free Legal Advice

New policyholders get free access to the AA Legal Helpline which provides initial general advice with personal matters under UK law.

  • Personal injury claims (including clinical negligence);
  • Consumer contract disputes;
  • Employment disputes;
  • Neighbour disputes
  • Motoring disputes.

And finally... a thank you gift

New policyholders get up to £50 M&S vouchers after 4 months of the policy start date*.


* M&S voucher terms and conditions.

^ This offer can be withdrawn at any time. Over 50s life insurance fixed cover only, excluding all policy additions, including funeral benefit options. To claim, provide proof via a scanned/photocopied quote, or printed online screen-shot with a date stamp. This should be sent, within 30 days of your AA policy inception date, to AA Life Insurance, AA Financial Services, Fanum House, Basing View, Basingstoke RG21 4EA, quoting your policy number. Eligible claimants will be sent £25 of M&S vouchers after 90 days of receipt.