Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jan 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Quick Facts

  • AAA Life Insurance Company was created in 1969

  • It is an entity of the American Automobile Association (AAA)

  • AAA has four insurance policy options

The AAA Life Insurance company provides a variety of products that fall into one of the four main categories: term, whole, and universal life insurance. It is separate from the AAA home and auto company. AAA Life has some life insurance programs that do not require a medical exam.

Follow through this guide to AAA Life Insurance to see if it’s the right company for you. We’ll go over the customer reviews — and how you can leave one — as well as how AAA Life stands up against its competitors.

If you think you’ve already read enough, you can start comparing life insurance quotes in your area. Enter your ZIP code now, and start preparing for the future.

AAA Life Insurance

The life insurance subsidy of AAA (or American Automobile Association) is the AAA Life Insurance Company which was created in 1969. It was created in order to provide life insurance products and annuities to its members. Now, after more than 50 years, AAA Life manages more than a hundred-million policies.

AAA Life Insurance is headquartered in Livonia, Michigan, with its customer service center in Omaha, Nebraska. Today, AAA Life has applications online or through traditional agents for policies that may require medical exams and personalized interviews. You can also find the AAA life insurance login online after you’ve created an account

AAA Life also offers accident insurance for AAA members.

You do not need to be a member in order to buy AAA life insurance, though there are many discounts to premium available for members.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Is AAA good life insurance?

Whether or not AAA life insurance is a good deal will depend on who you are and how you live your life.

That’s a vague answer for a vague question, see how third-party companies have compiled reviews from life insurance policyholders. You can also leave a review below if you have a policy under AAA Life.

What do customers say about AAA life insurance? 

AAA reviews complied submitted to the Department of Insurance are what make up its score on the NAIC Complaint Index — the National Association of Insurance Commissioners — is a .36, which is relatively average. As readers review AAA Life with Quick Quote, you can find more reviews at the bottom of the page.

What are available plans does AAA Life have?

AAA Life offers term, whole and universal life insurance products, as well as accident insurance. Most of these plans are flexible, though there are some limitations.

AAA Life’s agents can assist you in determining which life insurance plan is for you.

How much life insurance do I need?

There is a chance that the type of life insurance you need will need some adapting to your life as your life changes.

Generally, you want to have between at least seven percent of your annual income in your death benefit account.

It may be necessary to re-examine your insurance portfolio when there is a a major event to make adjustments if necessary. This could be a marriage, a birth, buying a new home, a major illness, loss of job, retirement, divorce, or death of a spouse.

So what types of life insurance from AAA is right for you?

AAA Term Life Insurance

Term life is a policy that guarantees payment to the beneficiary over a specified time. Once that period, or term, expires the policyholder will need to extend it. At the time of expiration, you could convert your life insurance coverage to a permanent policy or let it expire if you’d rather just get rid of the coverage.

If you’re looking for term life insurance quotes from AAA Life, you can find enter your ZIP code in our free comparison tool.

It’s usually more affordable that other life insurance policies. This lie insurance product is usually good for young couples and families. Payments may cover children’s education or a loss of household income.

With AAA Life, your life insurance premiums don’t change during your policy, which means that neither will the benefit.

Term Life

AAA Life offers 10-, 15-, 20-, or 30-year term life insurance policies. These 10 to 30-year terms are up to $500,000 in coverage. When you visit the website, you’ll find that AAA Life gives you two options:

The first is ExpressTerm life insurance, which allows you to apply online and without an agent. This means that if you’re approved you will have immediate coverage.

This is one of the programs offered by AAA Life that has no medical exam. You may have to fill out a health questionnaire. You may be denied if you have a pre-existing condition.

Policyholders are able to convert AAA Life term life insurance to whole life when they turn 65 or at the end of their policy term. Keep in mind that the policy will expire at age 95.

The next is Traditional Term life insurance. With this policy, you will need to apply with an agent. This policy is limited to those ages 17 to 75.

Again, with this type of term life insurance, your premiums will be locked in, and you may also convert it into whole life insurance.

This policy is also available from 10-, 15-, 20-, 25-, and 30-years, but coverages are $50,000 to $5 million or more.

This policy expires at age 95 and can include living benefits in case of a terminal illness. This allows you to withdraw up to 50 percent in order to pay expenses.

Whole Life

Whole life insurance is a policy, rather than end at a specific term, remains in effect for your whole life. Your premiums will remain the same throughout your lifetime.

The policy ranges are only $5,000–$25,000, though there is an accelerated death benefit feature that allows but does allow up to 50 percent of the policy value in the case of a terminal illness.

AAA Life whole life insurance also has a built-in cash value that you can borrow from.

AAA Life allows add-on riders for whole life insurance policies. This includes up to $5,000 of automatic payments if you become totally disabled, and an additional $25,000 benefit for serious injury or accidental death.

AAA Life two types of whole life insurance.

Whole life Insurance provides straightforward, lifelong security that helps you lay a foundation for after you’ve died. This policy build value over time and your premiums will never change.

Simple whole life insurance helps your family gather the pieces with a little peace of mind. It includes:

  • $5,000–$25,000 coverage from ages 15 days to 80 years old
  • No medical exam required and no waiting period
  • Premiums remain the same but must be paid until 100 years old

Then there is the guaranteed issue life insurance option.

Guaranteed whole life insurance from AAA Life is ideal for those who are concerned about their health or family history. This policy lays out something like this:

  • Value up to $25,000
  • Guaranteed acceptance with no medical exam
  • No health questions
  • Issued to ages between 45 and 85 years old
  • Accelerated death benefit included up to 50 percent of benefit while still living
  • Builds a cash value
  • AAA members can save on annual rates
  • Premiums remain the same until age 100

AAA Life’s Guaranteed Issue policy offers immediate acceptance but will not pay the death benefit in full if the death.

Universal Life

The last kind of life insurance offered by AAA is universal life insurance. This is a policy that offers coverage starting at $100,000 with cash value that grows over time. This coverage may change over time.

AAA Life offers two types of universal life coverage. The first is LifeTime Universal life insurance. These are the factors:

  • Premiums are guaranteed not to change despite interest rate fluctuations
  • Can accumulate cash value
  • Must apply with an agent
  • Medical exam required
  • AAA may offer competitive premiums

AAA Life also offers Accelerator Universal life insurance, which starts at $100,000 and goes up to more than $5 million. This is a permanent life insurance plan with a medical exam required. You should expect at least six weeks for a waiting period. Other factors include:

  • Adjustable premiums throughout the lifetime
  • Available discounts on additional insurance products through AAA
  • Accrues cash value
  • Income is tax-free
  • Able to withdraw up to 50 percent (or $500,000 max) if diagnosed with a terminal illness

Not all of these life insurance policies may cover who you expect, keep reading to learn about beneficiaries and riders.

What does AAA life insurance cover?

More often than not your beneficiaries will still get the life insurance payout, but if your lifestyle poses enough of a risk, your insurer may add a life insurance exclusion to your policy prohibiting payment distribution if you die doing said risky activity. 

AAA Life Insurance Riders

Life insurance riders are add-on benefits to your coverage. These include:

  • Child term
  • Disability waiver of premium
  • Accidental death
  • Travel accident

Not all plans are eligible for riders.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

What are AAA Life‘s company ratings?

AAA Life was not included in J.D. Power’s most recent life insurance survey, nor any in recent years. However, commonly-consulted AM Best has over and over again given AAA Life an excellent rating in financial security.

Who has the best life insurance policy?

Check out the table below to quickly compare rates of AAA life insurance and its competitors to help you better your search.

The Best Guaranteed Issue Life Insurance Companies
Guaranteed Issue Life Insurance SummaryAAA StatsAIG StatsGerber Life Insurance StatsMutual of Omaha StatsNew York Life Stats
Age Availability45-8550-8550-8045-8550-80
Waiting Period2 years2 years2 years2 years2 years
Payout During Waiting PeriodPremiums paid + 30% interestPremiums paid + 10% interestPremiums paid + 10% interestPremiums paid + 20% interestPremiums paid + 10% interest
Minimum Life Insurance Coverage Limit$5,000$5,000$5,000$2,000$2,500
Maximum Life Insurance Coverage Limit$25,000$25,000$25,000$25,000$15,000
Get Your Rates Quote Now

Compare RatesStart Now →

AAA Life is a good option for someone who might already be an AAA member, as they receive discounts for belonging to the parent AAA. The company has been in business for decades; so you know you can count on its financial stability.

Ready to start comparing AAA Life Insurance with others in your area? Enter your ZIP code below.

FAQ – AAA Life Insurance Review 2021

Still have more questions about AAA life insurance options? Keep reading to find out more about AAA life insurance.

No. 1 Is AAA accident insurance worth it?

Accident insurance is a coverage that pays out a lump sum if you are injured during an accident. It is meant to compliment other insurance types as you claim benefits even if you can still work.

You may benefit from accident insurance if you find that no other coverage is working for you. It is relatively inexpensive.

No. 2 What is the best life insurance companies in California?

That is going to vary depending on what you need. The best was to find this out is to research the company’s third-party ratings, such as J.D. Power and AM Best.

Also make sure that your life insurance company is licensed in California.