Why get 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.


TermUniversalWhole
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Coverage Amounts$25,000 to 5 million+$100,000+$5,000 to $75,000
Coverage Period10, 15, 20, 25 & 30 yearsPermanentPermanent
PremiumsCompetitive PremiumsFlexible PremiumsGuaranteed Level Payments
Medical HistoryMay require Health ScreeningMay require Health ScreeningMay require Health Screening
Ages18-75 (renewable to 95)0-85†18-85†
OptionsExtra protection for every child you have. Disability waiver of premiums rider.Waiver of monthly deductions rider. Child term rider. Disability waiver of premiums rider.Travel accident rider. Child term rider. Disability waiver of premiums rider.
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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.

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.

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.

Family with AAA Life Insurance laughing on the couch.

ExpressTerm Life Insurance

Easy, instant coverage. Learn about ExpressTerm Life Insurance.

  • Apply online in minutes
  • No health screening required if you qualify
  • $25,000-$500,000 in coverage
  • 10, 15, 20, or 30-year terms
  • AAA Members save 10%

What are 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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What is Life Insurance?

Is life insurance right for you? And what do the terms mean? Find out here.

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How Much Life Insurance Do I Need?

Considering just a few key points can simplify the task of making decisions about life insurance.

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Life Insurance Rates and Average Cost

Life insurance rates can vary. Here's what to expect, and how to save when shopping for a policy.


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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 85 for Standard Non-Nicotine and Ages 15 to 85 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 through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, and in Wyoming through AAA Mountain West Inc., License No. 172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting, guidelines and applicable laws.