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Life insurance that just makes sense

Choose from our range of policies and select the one that best suits your situation and budget.

AA Life policy family

Life Cover covers you for death, terminal illness, and funeral costs all in one. But we also offer five other policy types that only cover specific situations, like accidental death.

Accidental Death. If you don't qualify for Life CoverCancer Cover. If you only want cover for a cancer diagnosis.Accident Recovery. If you only want cover for accidental injury.Funeral Cover. If you only want to cover your funeral.

Compare the policies

Life insurance

Here we’ve listed the features of our policies side-by-side to help you compare and contrast.


Life Cover

Cover for Funeral, Terminal Illness and Death

Cancer Care

Cover for Cancer diagnosis

Accidental Death

Cover for Accidental Death

Funeral Cover

Cover for Funeral, Terminal Illness and Accidental Death
Wide age range 16-55 18-59 16-74 50-79
Guaranteed acceptance Able to apply and receive an outcome online Pre-existing conditions exclusion Pre-existing conditions exclusion  
Immediate cover   90 day stand down period   For accidental death only
Payout for death - accident   N/A    
Payout for death - natural causes   N/A N/A  After two years
Benefits payable for terminal illness    Cancer only N/A  After two years
Level premiums No, premiums reviewed annually No, premiums reviewed annually    
Choose the amount of cover Up to $1 million Up to $100,000 $75,000 to $500,000 $5,000-$30,000
Easy to read policy documents Life Cover policy document Cancer Cover policy document Accidental death policy document Funeral Cover policy document
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We also offer Living Expenses Cover which provides monthly payments if you can't work due to sickness or injury and Accident Recovery Insurance which provides a cash payout to help you recover from certain types of accidental injuries.

Quick Calculator  

Choose the right amount of cover for you.

Trust AA Life  

  • Pays 98% of all claims
  • Simple policies
  • Speedy claims
  • Most trusted life insurance brand (Reader’s Digest most trusted brands survey 2013, 2014 and 2015)

Life insurance truth #9

Life insurance is sold by advisers, banks and life insurance companies directly. Policies sold usually receive a commission which can be up to twice the annual premium of the policy. This commission payment can be clawed-back if the policy is cancelled within two years.

After the two year period, you may be encouraged to switch to another life insurance provider – in which case the seller will again receive a commission payment.

While this is not common, it can happen. Make sure you consider your own cover requirements and your policy’s history before agreeing to switch to a different life insurance provider.

Have a question or need life insurance guidance?

Call us at 0800 808 234

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