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Decreasing life insurance

Help cover your repayment mortgage

AA Decreasing Life Insurance, provided by Legal & General, is designed to help protect a repayment mortgage if you die during the term of your policy.

Why choose life insurance with us?

  • Usps white tick
    Affordable

    Cover is available from £6 per month.

  • Usps white tick
    Cover your mortgage
    Choose the amount of cover and the term you need to help cover a repayment mortgage.
  • Usps white tick
    For you and your partner
    Cover for you or cover for you and your partner.

Why AA Decreasing Life Insurance?

AA Decreasing Life Insurance, provided by Legal & General, is designed to help protect a repayment mortgage if you die during the term of your policy. What's more, as an AA member*, you will receive a 2% discount on your monthly premiums (minimum premium £6 per month after discount). The policy features the following:

  • Is designed to help cover a repayment mortgage should you die during the length of this policy.
  • Cover is available from just £6 per month.
  • Choose the length of time you need cover for and how much cover you need. Premiums are fixed for the duration of the policy term, unless you alter your policy.

Plus:

  • Terminal illness cover included at no extra cost. Please read the Policy Summary document for more information.
  • Free life cover if you're buying a property, between exchange of contracts and completion of your purchase (or in Scotland, complete missives). Terms and conditions apply.
  • You'll receive an M&S Gift Card worth up to £50 as a thank you gift. Terms and conditions apply.

Enhance your cover (at an additional cost) with our optional extras:

  • Critical illness cover
  • Waiver of premium 

Important information 

This is not a savings or investment product and has no cash value unless a valid claim is made.

 

Optional extras
  • Waiver of premium is available at an extra cost, so if you are off work due to incapacity caused by illness or injury, after 26 weeks you won't need to pay your monthly premiums.
  • Critical illness cover can be added to your life insurance policy, at the outset, for an additional cost. This covers conditions that could affect your life and work:

Critical illness cover

If you were diagnosed with a critical illness and unable to work, how would you meet everyday living costs and pay the bills?

We never think it'll happen to us, but the reality is that critical illnesses like stroke, cancer or heart attack are more common than many people realise.

The good news is that advances in medical science and improved hospital care mean that more people are surviving these illnesses. This also means that more people may need financial help during their treatment, recovery, and in some cases helping them live with the illness. Critical illness cover is designed to help with the financial burdens people can face during this time.

Our Critical illness Cover, provided by Legal & General, can be added when you take out a life insurance policy for an additional cost. It covers conditions that could affect your life and work. For the full list of conditions covered see Legal & General’s guide to Critical illness Cover.

How does Critical illness Cover work?

As with all life insurance, you choose how long you would like to be covered for and how much you want the policy to pay out. You only pay one premium, but the policy could pay out in the event of your death, or diagnosis of one of the specified illnesses during the length of the policy.

  • Premiums start from £6 a month and are guaranteed to remain the same while the policy is in force – unless you make changes to your policy.
  • Cover for children is included at no extra cost and means that if your child is diagnosed with a critical illness and is eligible to claim, a cash sum will be paid that could allow you to take time off work or modify your home. This also applies if you take out critical illness cover now and have a child in later years. Terms and conditions apply, please read the Policy Summary document for more information.
  • Accident hospitalisation benefit – if you are admitted to hospital following injury caused by an accident and have to stay for 28 days or more, the policy will pay £5,000. Terms and conditions apply.
  • Terminal illness cover is included at no extra cost – this covers you if you are diagnosed with a terminal illness and given 12 months to live. The policy could pay out on diagnosis, allowing you to set your affairs in order. The minimum term for Terminal Illness Cover is 2 year. Please read the Policy Summary document for more information.
Important information
  • This is not a savings or investment product, and has no cash value unless a valid claim is made.
  • Not all forms of cancer are covered.
  • Please read the Policy Summary document and the Guide to Critical Illness Cover for more information.
Important documents

Please read the following important documents before you apply:

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Got a question? Call our UK call centre

Members* can call
0800 294 2737
Non-Members can call
0800 107 6646

Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

FAQs
How long do I need life insurance for?

This varies based on your individual needs and circumstances, so be sure that your choice reflects it:

  • If you're covering a mortgage, think about how long your mortgage is.
  • If you're thinking about protecting your family, consider things like the age at which your children will leave home, or the length of time you'll be providing the most support for your family.

How much cover should I choose?

You can choose any amount, subject to a £6 minimum premium, as long as it meets your needs. You can take into account the value of your mortgage, your monthly bills and outgoings, or the cost of educating a child.


What does 'term' mean?

The term is how long you would like to be covered for in years, and you can specify the length of the policy based on your individual needs and circumstances.

If you die during the term, the policy could pay a cash sum. For more information about how long you can be covered for, please refer to the Policy Summary document.


What does 'sum assured' mean?

The 'sum assured', also known as the 'cash sum' or 'amount of cover', is the amount you want the policy to pay out if you die during the policy term.


What's the difference between Terminal illness cover and Critical illness cover?

Terminal illness cover is included with our policies at no extra cost. It covers you if you're diagnosed with a terminal illness and given 12 months to live. Minimum term is 2 years.

Once your diagnosed the policy could pay out, allowing you to set your affairs in order before your death.

Critical illness cover is available to add to our life insurance policies, at the outset, for an additional cost. It covers you for conditions that could affect your life and work, which tend to be conditions that you wouldn't necessarily die from, but that might cause long term suffering – for example multiple sclerosis or cancer.

Adding critical illness cover to a life insurance policy means that if you're diagnosed with one of the specified conditions and eligible to claim, the policy pays out – but please be aware that not all forms of cancer are covered.

Read the Policy Summary document (PDF) for more information.

Existing customers

If you have a query about an AA Life Insurance, Decreasing Life Insurance or Over 50s Life Insurance policy provided by Legal & General, taken out after April 2014, please call one of the following numbers.

If you've recently applied: 0370 051 5013

If you've started paying your premiums: 0370 163 0657

We may record and monitor calls. Lines are open Monday to Friday 8.30am to 6pm, Saturday 9am to 1pm.

Alternatively, if you have a query about an AA Life Insurance policy taken out before April 2014, please call 0345 026 0521. Lines are open Monday to Friday 9am to 5.30pm.

M&S giftcard terms & conditions

When you take out a new AA Life Insurance or Decreasing Life Insurance policy (with or without Critical Illness), Legal & General will send you a M&S giftcard as a thank you.

Please read the following terms and conditions before you apply.

Terms and conditions:
  • Legal & General will aim to send the giftcard 4 months after your policy starts. Please allow time for delivery.
  • This offer is only valid when applying directly via the AA.
  • Customers paying monthly premiums will not be eligible for a giftcard if a monthly payment is missed during this time.
  • If you've previously cancelled a Life Insurance policy provided by Legal & General, you won't qualify for this offer.
  • The incentive provider could be changed but the monetary value will not change.
  • Legal & General will cancel any policies or giftcards if they discover or have a reasonable suspicion that the terms of the offer are being abused.
  • One giftcard per policy sold, limited to two per household in a 12-month period.
  • No cash alternative will be offered.
  • The giftcard is only available with this offer, and will not be available if the product is bought with any other offers or gifts.
  • All terms and conditions also apply to partners or friends applying.
  • Legal & General staff are not eligible for this offer.

* An AA member is defined as a holder of a current, valid UK Breakdown Assistance policy purchased directly through the AA.
** Terms and conditions apply – please read the Policy Summary and Making changes to your policydocuments.
*** M&S voucher offer terms and conditions apply


 

Automobile Association Insurance Services Limited acts solely as introducer for Legal & General's AA 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 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 Authority under number 117659. You can check the FCA register or call the FCA on 0800 111 6768.

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0800 107 6646

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