Cost of delay

AA Over 50s Life Insurance premiums usually become more expensive the older you are. It makes sense to take out a plan now to avoid paying higher monthly premiums in future, for the same cash sum.

Over 50s Life Insurance is provided by Legal & General.

Premiums start from £8 a month depending on your age, but whatever premium you choose to pay the policy will always cover you for at least £1,000 if you die after the first year. Your quote will be based on your individual needs and circumstances.

You are eligible to apply if you're aged between 50 and 80 and are a UK resident.

The table below shows how premiums go up as you get older:

Rates correct as at 22 June 2015
Premium £8 £15 £20 £30 £40 £50
Cash sum available to a 65 year old £1,397 £2,794 £3,824 £5,918 £8,032 £10,146
Cash sum available to a 70 year old £1,052 £2,104 £2,886 £4,472 £6,069 £7,667


There are no medical questions to answer so we don’t take account of your health – but if you take out AA Over 50s Life Insurance sooner rather than later you can take advantage of the lower premiums available.

And when you apply you will receive up to £50 of M&S vouchers after 4 months.*

Get a quick quote today to see how much it could cost.

* M&S voucher terms and conditions.

An AA member is defined as a holder of a current, valid breakdown policy purchased directly from the AA, or holder of a Member Rewards card through your insurance or other AA policy.