Life insurance

Over 50s life insurance to help
you look after what matters


Extra £25 M&S vouchers if you find equivalent cover

Choosing an Over 50 Life Insurance plan is an important decision. To help you, we're confident we offer amongst the highest levels of cover available on the market. See how we compare.

If, after you've taken out your policy with us, you find you can get a higher cash sum assured on a fixed, guaranteed acceptance Over 50s plan elsewhere, for the same monthly premium or less, we'll give you a further £25 M&S vouchers.^

Over 50s life insurance

You never know what life has in store, but it makes sense to plan ahead and give your family a helping hand when they need it most. An AA Over 50s Life Insurance plan, provided by Legal & General pays out a cash sum if you die after just one year of taking out a policy. The money could be used to help contribute towards funeral costs, outstanding bills or as a nest egg for your family.

  • Guaranteed acceptance for 50 to 80 year old UK residents.
  • No medical or health assessments.
  • Premiums start from £8 per month, depending on your age.

The plan covers you for the whole of your life, as long as you keep up your monthly premiums. Simply choose the premium you want to pay, based on your circumstances, and the cash sum you need the policy to pay out. Get a quick quote using our calculator, to the left of this page.

Why choose AA Over 50s Life Insurance?

  • We offer some of the highest levels of cover available in the over 50s life insurance market and we'll give you £25 in M&S vouchers if you find more cover for the same monthly premium or lower with another provider.^
  • We’ll give you free access to the AA Legal Helpline.
  • You’ll receive up to £50 M&S vouchers as a thank you gift.*

We offer two types of plan, both of which cover you for the whole of your life, as long as you continue to pay the premiums. Simply choose the premium you want to pay, based on your own circumstances, and the cash sum you need the policy to pay out:

Fixed plan
The premium and cash sum you choose remain fixed while the plan is in force, making it easier to budget for.
Find out more
Increasing plan
Designed to keep up with inflation. Every year the cash sum and premiums are reviewed and will increase.
Find out more

Things you need to know

Fixed and increasing plans

  • A claim can be made after one year, regardless of the cause of death. If you die from natural causes within the first year we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum.
  • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
  • After your 90th birthday you will stop paying premiums but your cover will continue.
  • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won’t get anything back.
  • This is not a savings or investment product and has no cash value until a valid claim is made.

Increasing plan only

  • With the increasing plan your cash sum is reviewed each year in line with the change in the Retail Prices Index (RPI). Premiums will also be reviewed each year and will increase by the change in RPI multiplied by 1.5.
  • If you're worried you won't be able to afford the increases in premium, you can decline the increase following your annual review. If you do this the cash sum will remain at the same value from that point, and inflation will reduce its value in the future. You won't be able to increase your cash sum or premium in future years.

Fixed plan only

  • Inflation will reduce the buying power of your cash sum in the future.


* M&S voucher offer valid until 31st December 2014. Terms and conditions apply.

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

An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562;

AA Over 50s Life Insurance and any services related to it are provided by Legal & General.  Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation under number 117659. You can check the FCA register or call the FCA on 0800 111 6768. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.


Extra £25 M&S vouchers if you find equivalent cover

Choosing an Over 50 Life Insurance plan is an important decision. To help you, we're confident we offer amongst the highest levels of cover available on the market. See how we compare.

If, after you've taken out your policy with us, you find you can get a higher cash sum assured on a fixed, guaranteed acceptance Over 50s plan elsewhere, for the same monthly premium or less, we'll give you a further £25 M&S vouchers.^

The fixed plan

An AA Over 50s Fixed Life Insurance Plan, provided by Legal & General, is a simple way to give your family a helping hand. The money paid out could be used as a gift for your family, a contribution towards funeral costs, or to help pay outstanding bills.

With the fixed plan, you choose the premium you want to pay based on how much you can afford and the cash sum you need the policy to pay out. Your premium and cash sum will remain the same once you have chosen them, making it easy to budget for.

Features of the plan

  • Premiums start from just £8 a month, depending on your age.
  • Guaranteed acceptance with no medical or health assessment, as long as you are between 50 and 80 and a UK resident.
  • A minimum cash sum pay out of £1,000 should you die after one year.
  • Premiums that stop at age 90 – but cover that continues for the rest of your life.
  • An extra £300 towards your funeral costs with the Funeral Benefit Option.

Important Information

  • If you die at least one year after starting your plan, your cash sum will be paid regardless of the cause of death.
  • If you die of natural causes within the first year, Legal & General will refund any premiums paid.
  • If you die as the result of an accident within the first year, your cash sum will be paid.

AA Members - Apply for an AA Over 50s Fixed Life Insurance Plan

Apply now

Not an AA member? Apply for an AA Over 50s Fixed Life Insurance Plan

Apply now

Things you need to know

  • A claim can be made after one year, regardless of the cause of death. If you die from natural causes within the first year we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum.
  • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
  • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won’t get anything back.
  • This is not a savings or investment product and has no cash value until a valid claim is made.
  • Inflation will reduce the buying power of your cash sum in the future.

Not sure which of our plans is best for you? Take a look at our comparison table and you can also see how we compare to other providers.


* M&S voucher offer valid until 31st December 2014. Terms and conditions apply.

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

An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562;

AA Over 50s Life Insurance and any services related to it are provided by Legal & General.  Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation under number 117659. You can check the FCA register or call the FCA on 0800 111 6768. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.


Free Legal Advice
New policyholders get free use of the AA Legal Helpline which provides initial general advice with personal matters under UK law.

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

The increasing plan

An AA Over 50s Increasing Life Insurance Plan, provided by Legal & General, is designed to help protect your cash sum against inflation. The money paid out could be used as a gift for your loved ones, a contribution towards funeral costs or used for outstanding bills.

Help protect against inflation

As time passes, the cost of living rises – think about how much more an everyday item like a loaf of bread costs compared to 10 years ago. This process also impacts the value of money paid out by insurance policies. The cash sum for the increasing plan is linked to the change in the Retail Prices Index (RPI) to help keep pace with inflation and to stop its value decreasing.

Funeral prices have been increasing faster than inflation – take a look at our guide to funeral costs.

Each year your cash sum will be reviewed in line with the change in the Retail Prices Index. Your premium will be reviewed too, and will increase by one and a half times the change in RPI. If you can’t afford the increase, just let Legal & General know and they will fix your premium and cash sum so they remain the same for the rest of your plan. If you decide to do this you will not be able to restart the increases in future and inflation will reduce the buying power of your cash sum.

As with all over-50s plans, you choose the initial premium you want to pay based on your circumstances and the cash sum you need the policy to pay out. Please bear in mind that with the Increasing Plan your premium will go up.

Features of the plan

  • Premiums that start from just £8 a month, depending on your age.
  • Guaranteed acceptance with no medical or health assessment, as long as you are between 50 and 80 and a UK resident.
  • A minimum cash sum payment of £1,000 should you die after one year.
  • Premiums that stop at age 90 – but cover that continues for the rest of your life.
  • An extra £300 towards your funeral costs with the Funeral Benefit Option.

Important Information

  • If you die at least one year after starting your plan, your cash sum will be paid regardless of the cause of death.
  • If you die from natural causes within the first year, Legal & General will refund any premiums paid.
  • If you die as the result of an accident within the first year, your cash sum will be paid.

AA Members - Apply for an AA Over 50s Increasing Life Insurance Plan

Apply now

Not an AA Member? Apply for an AA Over 50s Increasing Life Insurance Plan

Apply now

Things you need to know

  • A claim can be made after one year, regardless of the cause of death. If you die from natural causes within the first year we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum.
  • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
  • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won’t get anything back.
  • This is not a savings or investment product and has no cash value until a valid claim is made.
  • With the increasing plan your cash sum is reviewed each year in line with the change in the Retail Prices Index (RPI). Premiums will also be reviewed each year and will increase by the change in RPI multiplied by 1.5.
  • If you're worried you won't be able to afford the increases in premium, you can decline the increase following your annual review. If you do this the cash sum will remain at the same value from that point, and inflation will reduce its value in the future. You won't be able to increase your cash sum or premium in future years.

Not sure which of our plans is best for you? Take a look at our comparison table and you can also see how we compare to other providers.


* M&S voucher offer valid until 31st December 2014. Terms and conditions apply.

An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562;

AA Over 50s Life Insurance and any services related to it are provided by Legal & General.  Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation under number 117659. You can check the FCA register or call the FCA on 0800 111 6768. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.

Funeral benefit option

If you're buying an AA Over 50s Fixed or Increasing Life Insurance plan, provided by Legal & General, you can choose to add the Funeral Benefit Option.

By selecting this option, your cash sum is paid directly to our chosen funeral service provider, Dignity, who will arrange the funeral with your family, and as a thank you, contribute an additional £300 towards your funeral costs at no extra cost to you.

Why choose the funeral benefit option?

  • It's a helping hand towards covering your funeral expenses, helping to reduce stress and worry for your family at a difficult time.
  • The cash sum and £300 contribution will be immediately available to go towards your funeral costs.
  • You can let Dignity know of any special requests you may have, such as hymns, readings or a piece of music, to help ensure your personal wishes are respected.
  • Your family will receive compassionate care and support at the time of need.

Why choose Dignity?

Dignity are a major provider of funeral services in the UK, with a network of over 690 experienced funeral directors, many of whom have served local communities for generations.

  • Dignity have already helped more than 590,000 people arrange their funeral in advance.
  • In 2013 Dignity conducted over 68,000 funerals in the UK (Source: Dignity Plc Annual Report and Accounts 2013).

 

How the Funeral Benefit Option works

  • If you choose the Funeral Benefit Option, you are choosing to 'charge' the cash sum from your policy to Dignity; you'll receive an extra £300 on top of your cash sum amount. 'Charge' is the legal term meaning that the cash sum from your Plan is paid directly to Dignity, rather than to your estate.
  • It is important to be aware that in choosing this option, you agree that the funeral provided will be arranged by a Dignity Funeral Director.
  • If the cost of the funeral is greater than the cash sum from your plan plus the extra £300 funeral benefit, then your estate or next of kin will need to pay the difference.
  • If the cost of the funeral is lower than the cash sum plus the extra £300 funeral benefit, the remainder will be paid to your estate by Legal & General and may be subject to Inheritance Tax.
  • If you decide that you no longer want your plan 'charged' to Dignity you can choose to remove the 'charge' by contacting Dignity. In this case the £300 additional contribution will no longer apply. If the 'charge' is removed and a payment is made to your estate, this could be subject to Inheritance Tax.
  • Dignity will provide welcome packs within 28 days of applying, with all the information that you or your family will need including contact details, and instructions for your loved ones and executors at the time. If you wish, you can notify Dignity of any special requests, such as a particular reading, hymn or piece of music, to help ensure your wishes are respected.

Not sure how much cover you need? Use our quick quote calculator.


* M&S voucher offer valid until 31st December 2014. Terms and conditions apply.

An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562;

AA Over 50s Life Insurance and any services related to it are provided by Legal & General.  Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation under number 117659. You can check the FCA register or call the FCA on 0800 111 6768. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.

Which plan suits my needs?

It can be hard to decide which AA Over 50s Life Insurance plan, provided by Legal & General, is best for you, so we've put the main differences in a comparison table below to help you choose the plan you need.

Compare our plans

Features Fixed plan Increasing plan
Premiums that stay the same Included Not included
Cash sum that stays the same – if you die after one year of the plan starting Included Not included
Cash sum that increases – reviewed each year in line with the change in Retail Prices Index Not included Included
Monthly premiums reviewed each year Not included Included
Cash sum paid on death to your estate – unless assigned or placed in trust Included Included
Inflation will reduce the buying power of the cash sum in the future Included Not included
  More info More info

What is the Retail Prices Index?

The Retail Prices Index (RPI) is used as a measure of inflation. It shows how the cost of living rises each year.

As time passes and the cost of living rises, think about how much more an everyday item like a loaf of bread costs now than it did 10 years ago. This process also impacts the value of the cash sum paid out by insurance policies, meaning that a fixed cash sum will be worth less in the future. The cash sum for the increasing plan is linked to the change in the Retail Prices Index to help keep pace with inflation and to stop its value decreasing.

Funeral costs have been rising faster than inflation – take a look at our guide to find out more.

Things you need to know

Fixed and increasing plans

  • A claim can be made after one year, regardless of the cause of death. If you die from natural causes within the first year we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum.
  • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
  • After your 90th birthday you will stop paying premiums but your cover will continue.
  • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won’t get anything back.
  • This is not a savings or investment product and has no cash value until a valid claim is made.

Increasing plan only

  • With the increasing plan your cash sum is reviewed each year in line with the change in the Retail Prices Index (RPI). Premiums will also be reviewed each year and will increase by the change in RPI multiplied by 1.5.
  • If you're worried you won’t be able to afford the increases in premium, you can decline the increase following your annual review. If you do this the cash sum will remain at the same value from that point, and inflation will reduce its value in the future. You won't be able to increase your cash sum or premium in future years.

Fixed plan only

  • Inflation will reduce the buying power of your cash sum in the future.


* M&S voucher offer valid until 31st December 2014. Terms and conditions apply.

An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562;

AA Over 50s Life Insurance and any services related to it are provided by Legal & General.  Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation under number 117659. You can check the FCA register or call the FCA on 0800 111 6768. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.

See how we compare

We know that choosing an over 50s life insurance plan is an important decision. To help you make that decision, we're confident we offering amongst the highest levels of cover available in the market.

The table below shows how AA Over 50s Fixed Life Insurance, provided by Legal & General compares favourably with the market leader**, in terms of amount of cover available, how soon the plan could pay out and when premiums stop

Company Cash sum for £20 premium Cash sum payable Premiums stop
AA Over 50s Fixed Life Insurance plan £3,743 After 12 months Age 90
Sun Life Direct Guaranteed Over 50s plan £3,325 After 24 months Premiums paid for life

Rates based on a 65yr old paying £20 a month and are correct as at 25 April 2014. The features and terms and conditions of these plans will vary. The premium you will pay and the cash sum you choose are based on your own needs and circumstances.

Receive £25 extra M&S vouchers if you find more cover for the same price or less

The table below shows how our fixed plan cover levels compare to other providers in the market.

Current Age AA Over 50 Sun Life Direct Aviva LV= Tesco Asda
55 £6,084 £5,225 £5,776 £5,656 £5,775 £5,656
60 £4,670 £4,030 £4,428 £4,447 £4,428 £4,447
65 £3,743 £3,325 £3,428 £3,467 £3,428 £3,467
70 £2,815 £2,670 £2,601 £2,606 £2,602 £2,507

Rates based on paying £20 a month for a fixed plan and are correct as at 25 April 2014. The features and terms and conditions of these plans will vary. The premium you will pay and the cash sum you choose are based on your own needs and circumstances.

If, after you've taken out an AA Over 50 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.^

We offer two types of plan:

Fixed plan
The premium and cash sum you choose remain fixed while the plan is in force, making it easier to budget for.
Find out more
Increasing plan
Designed to keep up with inflation. Every year the cash sum and premiums are reviewed and will increase.
Find out more

Things you need to know

Fixed and increasing plans

  • A claim can be made after one year, regardless of the cause of death. If you die from natural causes within the first year we will refund any premiums paid, unless you die as the result of an accident, when we will pay your cash sum.
  • Depending on how long you live, total premiums paid may be greater than the cash sum payable on death.
  • After your 90th birthday you will stop paying premiums but your cover will continue.
  • If you stop paying premiums before the end of your policy, your cover will end 30 days after your missed premium and you won’t get anything back.
  • This is not a savings or investment product and has no cash value until a valid claim is made.

Increasing plan only

  • With the increasing plan your cash sum is reviewed each year in line with the change in the Retail Prices Index (RPI). Premiums will also be reviewed each year and will increase by the change in RPI multiplied by 1.5.
  • If you're worried you won't be able to afford the increases in premium, you can decline the increase following your annual review. If you do this the cash sum will remain at the same value from that point, and inflation will reduce its value in the future. You won't be able to increase your cash sum or premium in future years.

Fixed plan only

  • Inflation will reduce the buying power of your cash sum in the future.


* M&S voucher offer valid until 31st December 2014. Terms and conditions apply.

** Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics - 12 months up to 30th September 2013.

^ This offer can be withdrawn at any time. Over 50s fixed life insurance plan 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.

An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562;

AA Over 50s Life Insurance and any services related to it are provided by Legal & General.  Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation under number 117659. You can check the FCA register or call the FCA on 0800 111 6768. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.

Articles and guides

If you need some help deciding which plan is best for you, or if you just want to learn more, our guides can help:

High quality claims service

Trust information

Cost of delay

Why choose us?

The rising cost of funerals


* M&S voucher offer valid until 31st December 2014. Terms and conditions apply.

An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562;

AA Over 50s Life Insurance and any services related to it are provided by Legal & General.  Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation under number 117659. You can check the FCA register or call the FCA on 0800 111 6768. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.

Policy documents

The following are important documents which you should read before you apply.

AA Over 50s Life Insurance Plan policy summary

AA Over 50s Life Insurance Plan policy terms and conditions

To view these PDF files you'll need Adobe Acrobat


* M&S voucher offer valid until 31st December 2014. Terms and conditions apply.

An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562;

AA Over 50s Life Insurance and any services related to it are provided by Legal & General.  Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation under number 117659. You can check the FCA register or call the FCA on 0800 111 6768. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.

Frequently asked questions

About AA Over 50s Life Insurance provided by Legal & General

Applying for cover

Who can apply?

Anyone can apply as long as they are aged between 50 and 80 and a UK resident. A UK resident is defined as someone who resides in the UK for at least 183 days a year. AA Over 50s Life Insurance requires no medical or health assessment, so you are guaranteed to be accepted.

Can my partner take out cover too?

Yes, your partner can also take out an insurance plan – it takes minutes if you call us, or use our online application. The insurance plans cover one person, so you will be covered by two separate plans with two premiums. Use our quick quote calculator to find out how much cover you will receive.

Can I have more than one policy?

Yes you can have as many policies as you need, as long as the total Over 50s Life Insurance premiums that you pay do not total more than £50 per month. This includes any plans you already may have with Legal & General.

What information do you need from me?

AA Over 50s Life Insurance provided by Legal & General requires no medical or health assessment, so we just need your name, contact details, date of birth and smoker status (the latter will not affect your monthly premium or your cash sum).

You need to decide how much you need the plan to pay out, based on your own circumstances and the premium you choose to pay. Also, you need to choose which plan is best for you. For help making this decision, use our comparison table.

At the end of the application process we'll ask you for your bank account number and sort code to set up a direct debit. If you don't have these, you can get them by contacting your bank or referring to a recent bank statement.

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Your choices

Which premium should I choose?

It is up to you to choose a premium that you can afford and that gives you a cash sum that meets your needs. The higher the premium you choose, up to a maximum of £50 per month, the higher your cash sum.

To make the decision, it can be a good idea to think about how much you would want your family to receive in the event of your death.

To get an idea of how much you could pay, use our quick quote calculator.

If I choose the increasing plan and can't afford the premium increase, what can I do?

If you think that you won't be able to afford the annual increase then please give Legal & General a call. They can stop the increases so that the premium and cash sum remain the same for the rest of the time the plan covers you.

If you decide to do this the decision is final, the plan will remain fixed and you will not be able to restart the increases in future

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After your application

What happens after I apply?

After you apply your cover will begin, you will receive a letter containing details of your plan, a policy schedule and the policy terms and conditions.

You will also receive a cancellation notice – this gives you 30 days to cancel your plan if you change your mind. If you decide to cancel within 30 days, any premiums paid will be refunded. You can cancel after this period but you will not receive a refund.

Will my premiums ever go up?

If you choose the fixed plan, your premiums will stay the same while your policy is running.

If you choose the increasing plan, your premiums will be reviewed each year, along with your cash sum, and will increase to help protect against inflation. For more information, refer to the increasing plan page.

When will I receive my free gift?

We will aim to send you your free gift four months after your policy start date, as long as you continue to pay your premiums. Please read the voucher terms and conditions for more information.

How long does the cover last?

AA Over 50s Life Insurance lasts for the whole of your life, as long as you keep paying premiums. At age 90 your premiums stop but your cover will continue.

Can I cash in my plan?

No, the plans are not savings or investment products and have no cash value until a valid claim is made.

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Claiming on your policy

What happens to the money when the policy pays out?

The cash sum will be paid to your estate when you die, unless you place your policy into trust.

For more information about trusts, read our trust information.

How can my family make a claim when I die?

If your family needs to make a claim they could call Legal & General's UK based call centre on: 0800 137 101. Lines are open 9:00am to 5:30pm Monday to Friday. Legal & General may record and monitor calls.

If your relatives are calling from abroad, the number is 0044 1273 374 665. (Calls are charged at the prevailing international rate).

If you would prefer to contact the team by mail or email, please use the addresses below: Claims Department Legal & General Assurance Society Limited City Park The Droveway Hove East Sussex BN3 7PY life.claims@landg.com

In order to make a claim Legal & General require the following documentation:

  • a death certificate
  • the original policy document
  • date of death and contact details

If the original policy document is missing Legal & General staff will be able to discuss the additional procedure for making a claim with your representatives.

If further information is needed to help process a claim, the claims staff will contact your representatives.

Read more about our high quality claims service.

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* M&S voucher offer valid until 31st December 2014. Terms and conditions apply.

An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA Over 50s Life Insurance.

Automobile Association Insurance Services Limited is registered in England and Wales No 2414212. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under number 310562;

AA Over 50s Life Insurance and any services related to it are provided by Legal & General.  Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation under number 117659. You can check the FCA register or call the FCA on 0800 111 6768. Legal & General will introduce customers who select the Funeral Benefit Option to Dignity Funeral Services, who are members of the National Association of Funeral Directors.


Call our UK call centre

 

AA members

0800 294 2738

 

Not an AA member?

0800 107 6647

Mon–Fri 8am–8pm,
Sat 9am–5pm