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AA Life Insurance

Protect those you love from only €10 per month*

Get A Quote
Call AA Life Team 0818 300 016
*Minimum premium applies (From €10 per month, €120 per annum, incl. levy)

Life Insurance Benefits

First Month Free

Your cover begins straight away but your payments start a month later^

€50 Cashback

Return your application within 7 days of issue and get €50 cashback**


Free Family Health Advice

Support services for mental health issues or medical advice for you and your family at no extra cost

What is Life Insurance?

Life Insurance is a policy that you can take out which would pay a lump sum to your family/estate in the event of your death within the term of the policy e.g. 25 years.

There are lots of reasons why people might need Life Insurance:

  • To provide financial security to your family to replace lost income
  • To help family/partner with childcare costs, and manage their expenses
  • Repay any loans – e.g. Mortgages, bank loans etc.

Get €50 Cashback 

Once we discuss your AA Life Insurance quote with you, we’ll send you on an application form. Then, if you return it completed within 7 days of it being issued, we’ll give you €50 cashback when your policy goes live.

It really is that simple. With policies from only €10 per month,* you could get the equivalent of 5 months free cover.

Get A Life Insurance Quote

Most Common Types of Life Insurance

Term Life Insurance

Also known as Level Term Cover – this Life Insurance policy is taken out for a specific term e.g. 25 years. The main difference between Term Life Insurance and Mortgage Protection is that the level of cover here does not reduce e.g. €100,000 cover will still be equal to €100,000 pay out in the event of death.

Convertible Term Life Insurance

Convertible Term Life Insurance is almost the same as Level Term Life Insurance – but it has an added benefit – a Conversion Option. A conversion option is a very valuable benefit which allows you to 'convert' your policy to a new plan at any stage throughout the term of your policy without providing any evidence of health. E.g. extending your cover at any time while your policy is in force.

Who can be covered on the Life Insurance policy?

Single Life Cover

This is where one person is covered. If this person dies within the term of the policy, the proceeds will be paid to the policyholder’s estate.

Joint Life Cover

Joint life cover is taken out for two people and is payable when the first valid claim is made. As there is only the potential for one pay out, there can only be one sum insured, i.e. the two lives cannot be covered for different amounts. Upon making a valid claim, the cover is paid and the policy will cease.

Dual Life Cover

Dual Life Cover is one of the most common policies to be taken out. Dual Life Insurance is similar to Joint Life Insurance, in that it is set up on two lives. The fundamental difference is that a payment is possible on both lives. This is a very valuable family protection option.

Get a Life Insurance Quote

Optional Benefits

Serious Illness

You can also add serious illness cover to your insurance. Serious Illness Cover provides a lump sum payment which enables you to take care of yourself and your family if you’re diagnosed with one of the specified conditions which are covered by the Life company. There are two ways you can take out Serious Illness Cover – as standalone cover or as an accelerated plan.  

Standalone cover means it is taken out as a benefit on its own and is completely independent of any life cover you may take out. 

Accelerated cover is life assurance with a Serious Illness Cover element. Under this cover, the plan ‘accelerates’ the payment of the serious illness benefit on the earlier diagnosis of a condition covered under the plan. If a serious illness payment is made, the life cover amount is reduced accordingly. If no serious illness claim is made, the full sum insured is paid on death.


Indexation is an option whereby your cover will increase at a set rate each year to help counteract the effect of inflation on your sum insured. Our provider’s indexation rates are as follows: Rate of Increase of Benefits – 3% Rate of Increase of Premiums – 4%

Get a Life Insurance Quote

*Minimum premium applies (From €10 per month, €120 per annum, incl. levy).

**All applications returned within 7 days of being issued, receive €50 cashback when policy goes live. €50 cashback will be paid to the customer bank account used to pay the Life Insurance policy, via EFT. Cashback will be paid 2 weeks after the Life policy goes live.

^As long as your policy goes on cover within 30 days of being accepted, Royal London will give you the first month's cover free.

AA Ireland Limited trading as AA Insurance is regulated by the Central Bank of Ireland. AA Ireland, 61A South William Street, Dublin 2, Ireland. Tel: 0818 227 228.

AA Insurance provides Life Insurance and Mortgage Protection products which are arranged by JSBCA Ltd T/A Low.

JSBCA Ltd T/A Low are authorised and regulated by the Central Bank of Ireland.

AA Ireland Limited trading as AA Insurance is regulated by the Central Bank of Ireland.