Help cover your interest only mortgage or family need
A choice of the length of time you need cover for, and how much you need.
Cover is available from £6 per month.
AA Members* get £50 M&S gift card and an extra 2% off your monthly premiums.
AA 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:
Plus:
Enhance your cover with our optional extras at an additional cost:
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 the 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.
Please read the Policy Summary document for more information.
Important informationPlease read the following documents before you apply:
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Members* 0800 294 2737
Non-members 0800 107 6646
Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.
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:
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.
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 you've been 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.
For more information please read the Policy Summary.
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.
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.
* 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 Financial Services Register on the FCA's website.
