Life Insurance

Nobody likes to think about it. Nobody wants to talk about it. But if people you care about depend on you, making sure you have life insurance is one of your most important responsibilities. AAA offers a variety of options to help get you covered.

Members: Manage Your Policies from AAA Life Insurance.

What kind of life insurance is best for me?

Item Term Express Term Whole Universal
Coverage Amounts $100,000 to 5 million+ $25,000 - $250,000 $5,000 to $25,000 $25,000+
Coverage Period 10, 15, 20, 25 & 30 years 10, 15, 20, 25 & 30 years Permanent Permanent
Premiums Competitive Premiums Guaranteed Level Payments Guaranteed Level Payments Flexible Premiums
Medical History Requires Medical Exam Just a health questionaire At most a health questionaire Requires Medical Exam
Ages 18-75 (renewable to 95) 18-75 15-80* 18+
Options Extra protection for every child you have. Disability waiver of premiums rider.   Travel accident rider. Child term reider. Disablity waiver of premiums rider. Waiver of monthly deductions rider. Child term rider. Disability waiver of premiums rider.
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Express Term Life

Apply and Buy Online in Minutes

We know protecting your family is at the top of your to do list. That's why we want to make it even simpler for you. With ExpressTerm, you can apply for life insurance through our secure online application, buy your policy and in minutes walk away with the coverage you need to help protect you and your loved ones.

 

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Term Life

Our Most Affordable Term Coverage

With Traditional Term Life Insurance through AAA, you can get affordable, valuable coverage that fits exactly what you need to help protect your loved ones' futures. If you're looking for life insurance with low premiums and coverage options to $5 million or more, talk to a specialist today who can help guide you through the coverage process.

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Whole Life

Level Premiums & Lifelong Protection

Offering long-term life insurance coverage and the ability to build guaranteed cash value, whole life insurance can be a cost-effective way to plan for final expenses and reduce the financial cost and emotional burden for loved ones. The benefits can also provide help with estate settlement costs or to repay outstanding debt.

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Universal Life

Flexible, Permanent Protection

Let us help you design a life insurance policy that can be revised and adapted to help fit your financial goals and budget. We can tailor a permanent life insurance policy that can help you provide protection for your loved ones, builds cash reserves and eases your tax burden.

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Annuities

Your savings can become guaranteed income for life

Retirement gives you the time you've always wanted to travel and see family, but this freedom often comes with money worries. With a competitive fixed interest rate, a minimum interest guarantee for the life of your contract, and retirement income options that can be guaranteed to last a lifetime, it's easy to see how a tax-deferred annuity can help bring safety and stability to any retirement portfolio.

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Multi-policy Discount*

Cover more, save more. You can save up to 15% on your AAA Auto Insurance when you insure your home and life with AAA.
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Pay My Life Insurance

Sign in to your AAA Life Insurance eServices account and to easily make a payment on your life insurance policy.
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Make an Auto Claim

Use our easy online form to get your auto insurance claim started. Go Now  »

AAA Life and its agents do not provide legal, tax, or financial advice. Please consult your professional advisor prior to the purchase of any policy. Life insurance underwritten and annuities offered by AAA Life Insurance Company, Livonia, MI. AAA Life (CA Certificate of Authority # 07861) is licensed in all states except NY. Products and their features may not be available in all states. 2008 - 2015 All Rights Reserved. New York Residents: Life insurance is issued by AAA Life Insurance Company of New York, Harrison, NY.

** Guaranteed to remain level as long as premiums are paid on time or when due. Otherwise, subject to increase.

† 15 days to age 80 for Standard Non-Nicotine and Ages 15 to 80 for Standard Nicotine

*The availability, qualifications, and amounts of coverages and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. Insurance products in California offered by AAA Northern California Insurance Agency. License #0175868, in Nevada and in Utah by AAA Utah. The provider of AAA Auto Insurance is CSAA Insurance Group, a AAA insurer.

*15 days to age 80 for Standard Non-Nicotine and Ages 15 to 80 for Standard Nicotine