Family walking along a beach

Life insurance chosen for our
customers, with more cover
for AA members

Why choose AA Life Insurance?

Life insurance is a simple and affordable way to help protect your family and provide you with peace of mind, if you die during the term of your policy.

With AA Life Insurance, provided by Legal & General, you're free to choose the premium you can afford, the amount of cover you want and the length of time you want the policy to last. Plus, as an AA member, you will receive a 2% discount on your monthly premiums (minimum premium £6 per month after discount) and free access to the AA Legal Advice Helpline.

Your choice of cover

Family life insurance
Often called level term insurance, the cash sum you choose remains fixed during the policy term, unless you alter your plan.
Find out more
Mortgage life insurance
Choose between a policy where the amount of cover remains fixed or cover that decreases roughly in line with a repayment mortgage.
Find out more

Critical illness cover can be added to either of these policies for an additional cost.

The benefits of AA Life Insurance

  • It provides a cash-lump sum payable on your death during the term of the policy.
  • Helps ensure your family can maintain their lifestyle and mortgage repayments when you die.
  • Cover is available from just £6 per month.
  • Choice of level or decreasing cover, and single or joint policies.

To find out more about why you may need life insurance, read our articles and guides. Please read our Key Features document before you apply.


* M&S voucher offer 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 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.

Why AA Family Life Insurance?

AA Family Life Insurance, provided by Legal & General, offers a simple way to help financially protect your family, if you die during the policy term. It could help them maintain their lifestyle and pay household bills. 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:

  • Cover is available from just £6 per month.
  • A choice of the length of time you need cover for, and how much you need.
  • Level cover and premiums for the duration of the policy term, unless you alter your policy.
  • Cover for you, or a joint policy for you and your partner.
  • Terminal illness cover included at no extra cost. Please read the Key Features document for more information.
  • You'll receive up to £50 M&S vouchers as a thank you gift.*
AA members – apply for a family life insurance policy Apply now
Not an AA member? Apply for a family life insurance policy Apply now

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 we'll pay your insurance premiums for you.
  • Critical illness cover can be added to your life insurance policy for an additional cost – this covers 41 conditions that could affect your life and work.

Helping you choose

Important information

  • This is not a savings or investment product, and has no cash value unless a valid claim is made.
  • Please read the Key Features document before you apply.

* M&S voucher offer 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 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.

Why AA Mortgage Life Insurance?

AA Mortgage Life Insurance, provided by Legal & General, is designed to help pay off your 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:

  • 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.
  • Cover for you, or a joint policy for you and your partner.
  • Terminal illness cover included at no extra cost. Please read the Key Features document for more information.
  • SmoothMove included at no extra cost, a 24 hour moving-day rescue service.**
  • Free life cover if you're buying a property, between exchange of contracts and completion of your purchase (or in Scotland, complete missives).***
  • You'll receive up to £50 M&S vouchers as a thank you gift.*

We offer two types of mortgage life insurance:

Mortgage term life insurance

This type of policy is usually taken out to help protect an interest-only mortgage. The cash sum and premiums you choose remain the same for the policy term, unless you alter your policy.

AA members – apply for a mortgage term life insurance policy Apply now
Not an AA member? Apply for a mortgage term life insurance policy Apply now

Decreasing term life insurance

This policy is designed to help protect a repayment mortgage or loan. The premium remains the same but the cash sum decreases over time, roughly in line with your remaining debt.

AA members – apply for a mortgage decreasing life insurance policy Apply now
Not an AA member? Apply for a mortgage decreasing life insurance policy Apply now

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 we’ll pay your insurance premiums for you.
  • Critical illness cover can be added to your life insurance policy for an additional cost – this covers 41 conditions that could affect your life and work.

Helping you choose

  • This comparison table will help you decide which policy is best for you.
  • Try our cover calculator to help you think about how much cover you may need.
  • Frequently asked questions

Important information

  • This is not a savings or investment product, and has no cash value unless a valid claim is made.
  • Please read the Key Features document before you apply.
  • You may want to check that the length of the policy is long enough to cover the duration of your mortgage term, otherwise you may not be fully protected.
  • If you choose decreasing cover there are some circumstances when the cash sum we pay out might not be enough to pay off your mortgage in full. For example if you make changes to your mortgage, or your mortgage interest rate averages over 10% during the length of your policy.

* M&S voucher offer terms and conditions apply.

** Provided by Inter Partner Assistance, who is part of one of the largest international emergency assistance groups. For more information please read our Key Features document.

*** Terms and conditions apply, please read the Key Features document

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 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.

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.

AA Critical Illness Cover, provided by Legal & General, can be added when you take out a life insurance policy for an additional cost. It covers 41 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 will pay out in the event of your death, or diagnosis of one of the specified illnesses during the length of the policy.

  • 41 conditions are covered – that's 17 more than the Association of British Insurers specify in their guidelines.
  • 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 Key Features 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 – please read the guide to critical illness cover for more information.
  • 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 will pay out on diagnosis, allowing you to set your affairs in order. Please read the Key Features 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 Key Features document and our Guide to Critical Illness Cover for more information.

AA member – apply for life insurance with critical illness cover

Apply now

Not an AA member? Apply for life insurance with critical illness cover

Apply now

* M&S voucher offer 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 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.

Which plan suits my needs?

Not sure which policy is best for you? Try this handy comparison table to help you understand which product meets your needs. You can hover over the ticks and crosses for further explanations.


* M&S voucher offer 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 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.

Cover calculator


* M&S voucher offer 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 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.

Articles and guides

If you need help making your decision or just want to learn more, then refer to our articles and guides:

Family vs mortgage life insurance – what's the difference?

Making changes to your policy

Cost of delay

What's the value of a parent?

Why choose us?

Death in service vs life insurance


To view these PDF files you'll need Adobe Acrobat


* M&S voucher offer 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 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.

Important documents

You should read these important documents before you apply.

Key features document

Policy terms and conditions

Guide to critical illness cover


To view these PDF files you'll need Adobe Acrobat


* M&S voucher offer 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 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.

Frequently asked questions

About AA Life Insurance provided by Legal & General

Choosing life insurance

How long do I need term life insurance for?

This varies based on your individual needs. If you're covering a mortgage it might be a good idea to think about how long your mortgage is. If you're thinking about family life insurance you can consider things like the age at which your children will leave home, or the length of time you will be providing the most support for your family. It is up to you to choose a policy that best serves your needs.

How much cover should I choose?

You can choose any amount, subject to a £6 minimum premium, as long as it meets your needs. People can take into account the value of their mortgage, their monthly bills and outgoings or the cost of educating a child. For more help in calculating this sum you can use our handy life cover calculator. It is up to you to choose a cash sum that meets your needs.

What does 'term' mean?

The term is how long you would like to be covered for in years. 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 Key Features 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. You can choose any value based on your own needs and budget – the higher this value the higher your premium will be, but you won't pay less than £6 per month.

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 are diagnosed with a terminal illness and given 12 months to live. Upon diagnosis the policy pays out, allowing you to set your affairs in order before your death. Critical illness cover is available to add to AA Life Insurance policies for an additional cost. It covers you for 41 conditions that could affect your life and work. These 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 are diagnosed with one of the specified conditions and eligible to claim, the policy pays out. Not all forms of cancer are covered. For more information, please read the Key Features document.

Back to top

Applying for life insurance

Who can apply?

To apply for AA Life Insurance, you must be aged between 18 and 77 for a family or mortgage term insurance policy and 18 and 74 for a decreasing term policy. To add critical illness cover you must be a UK resident aged between 18 and 67 for a family or mortgage term insurance policy and 18 to 64 for a decreasing term policy. The policy must end before your 80th birthday for life insurance and 70th for life insurance with critical illness cover.

I want to apply for a policy with my partner – is it best to take out a joint life policy covering both of us, or two single policies?

The best option varies according to your circumstances. A good way of looking at this is to think about what your insurance needs are based on how the policies work:

  • A joint life policy could pay out once on a 'first death' basis to the surviving person. The policy will then finish and the surviving person will no longer be covered.
  • Two single life policies would mean that if one person dies during the policy term, their policy pays out and the surviving person would still be covered by their own policy.

For many people, a joint life policy is a more cost-effective option – for a more detailed comparison between joint and single life policies, please read our guide.

What happens after I apply?

If you apply by phone or online we will ask you a series of lifestyle and medical questions. Based on your answers one of the three following things can happen – you will be informed of each of these on completing your application:

  1. Accepted – If you are accepted it means that no further information is needed and we can begin your cover straight away if you like.
  2. Referred – This means we need a bit more information from you before we can start your application. We will refer your details to our underwriters, and one of our specialist customer team will get in touch with you to let you know what further information we need. For example, we may need to write to your doctor, or ask you to attend a simple medical interview with one of our nurses (at a time that is convenient to you). We will keep you updated with the progress of your application and while we do this we will offer you up to 90 days of free accidental death cover for the sum that you have chosen while will get the information. For more information, please read the Key Features.
  3. Declined – On some occasions we will decline the application, if this happens we will contact you to let you know why. If you disagree with our decision you can get in touch with us to contest it. We're happy to look at any application again.

Can I change my policy once I've taken it out?

Yes. AA Life Insurance can be changed as you live your life and as your insurance needs change. Read our guide for more information.

Can I take out more than one policy?

Yes – although you should only apply for as many policies as you need. Some people choose to take out separate family life insurance and mortgage life insurance applications, for example.

Back to top

After you have taken out a policy

What if the policy doesn't pay out?

This is a common worry when taking out life insurance. AA Life Insurance is provided by Legal & General, who have an excellent track record for paying claims. Russ Whitworth, Director of Claims explains:
" [Legal & General's] priority is to help customers when they are at their most vulnerable and to pay as many claims as we can as soon as we can." As long as you answer all the questions on the application as fully as possible and are making a claim for death or against one of our specified illnesses, the policy will pay out. In 2013 Legal & General paid out over half a billion pounds in life and critical illness claims to 8,874 people. That's an average of eight times a day that Legal & General gave somebody money in settled critical illness claims for illnesses such as cancer, heart attacks, multiple sclerosis and strokes. All claims staff are based in UK call centres and each claim will be managed by a designated member of Legal & General's specialist team, so there is one point of contact. All claims staff have been trained by the Samaritans to offer exceptional levels of care and service, and to deal with claims sensitively and sympathetically.

When will I get my M&S vouchers?

Please refer to the voucher terms and conditions for the full criteria, however we aim to send your vouchers four months after your policy has started, as long as you continue to pay your premiums.

Back to top

* M&S voucher offer 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 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.


Call our UK call centre

 

AA members

0800 294 2737

 

Not an AA member?

0800 107 6646

Mon–Fri 8am–8pm,
Sat 9am–5pm