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Guaranteed Issue Whole Life Insurance for ages 45–85

Permanent life insurance,
without the medical exam.

Help your family cover the costs that come after — funeral expenses, outstanding debts, or whatever they need most. Acceptance is guaranteed.

See your rate in 3 minutes

Who are you looking to protect?

No health questions. No Medical exam.

Exclusive AAA Member Rates 31-day risk-free examination period Builds cash value

Your coverage at a glance

Up to $25,000 coverage

Choose the amount that fits your needs and budget.

Your beneficiaries decide how to use it

Your beneficiaries have the freedom to spend the money as they choose.

Builds cash value

Your policy automatically builds cash value as you pay premiums.

31-day risk free examination period

Change your mind in 31 days and get your money back.

Guaranteed Acceptance

Your acceptance is guaranteed. No medical exam, no health questions, no exceptions.

A couple reviewing their options together at a laptop

How it works

From your first details to active coverage in about 5 minutes online — or take your time and come back to it.

  1. 1Tell us a few details

    Zip code, age, and a couple of basics. No health questions, ever.

  2. 2See your rate

    Locked-in member rates, with coverage from $5,000 to $25,000. Pick what fits your needs and budget.

  3. 3Apply online in 5 minutes

    No medical exam. 31 days to review your policy risk-free. Cancel any time during that period for a full refund.

Your 4-way guarantee

Every AAA Life Guaranteed Issue Whole Life policy includes these guarantees, in writing.

Guaranteed Acceptance

As a AAA member 45–85, your acceptance is guaranteed. No medical exam, no health questions, no exceptions.

Guaranteed Coverage

Your benefit will never decrease. Once your coverage is in effect, it stays with you for life as long as premiums are paid.

Guaranteed Rate

The rate you lock in today is the rate you'll pay for life. It will never go up, regardless of your age or health.

Guaranteed Satisfaction

You'll have 31 days to review your policy. If it's not for you, cancel for a full refund. No questions asked.

About the first two years

If you pass away from a covered accident in the first two years, your beneficiaries receive the full benefit. If you pass away from any other cause in that period, your beneficiaries receive every premium you've paid plus an extra 30%. After two years, the full benefit is paid for any cause of death.

How AAA products compare

Different products fit different stages of life.
Here's what makes Guaranteed Issue Whole Life different from our other policies, so you can decide what's right for you.

Term LifeWhole LifeGuaranteed Issue Whole Life
Coverage amountFrom $100,000From $25,000$5,000–$25,000
Age range18–8045+45–85
Medical examSometimes requiredHealth questions onlyNever
Lasts for10, 20, or 30 yearsLifetimeLifetime
Best forIncome replacement, mortgage, family protectionEstate planning, lifelong protectionFinal expenses, peace of mind, no health hassle
How to applyOnline or with an agentWith an agentOnline in about 5 minutes

Independently rated, year after year

When the financial strength of an insurer matters, look at how the people who study them rate them.

50+Rated A (Excellent)AM Best, September 2025

Rated A (Excellent) — the third-highest grade out of thirteen — by the leading insurance financial strength rating agency.

50+ExcellentTrustpilot

Thousands of AAA Life members have shared their experience. Read what they say about claims, rates, and service.

50+Years of serviceSince 1969

AAA Life has been protecting AAA members and their families for over five decades. Continuity matters when your family depends on the policy.

Get a quote in minutes

No health questions. No Medical exam.

Is this product right for you?

Guaranteed Issue Whole Life is designed for people 45–85 who want guaranteed acceptance for smaller coverage amounts. If you have higher coverage needs or are comfortable answering health questions, you may save more with a different product.

Explore our other options if:

Looking for permanent coverage greater than $25,000?

Try LifeTime Universal Life instead.

Under 45 and want permanent coverage?

Try Accumulator Universal Life instead.

Looking for coverage that lasts for a shorter amount of time?

Try Traditional Term Life instead.

What AAA members have to say

Excellent

Based on 2,222 reviews

Trustpilot
Donald Morgan
It was easy to apply

It was easy to apply through the web page. Your rates are the lowest that I have seen among other Guaranteed Whole Life Policies. I only wish I had started years ago so my payments would be much lower and I could have purchased more coverage. This is my second policy with AAA Life.

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John
Fast and easy whole life insurance

Fast and easy guaranteed whole life insurance coverage effective immediately in just a few clicks. This is a great way to supplement life insurance with a premium that will never increase!! Well done.

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R.C.
Very happy to find affordable Life Insurance

The online application was simple to understand and fill out, and your acceptance is guaranteed no medical questions to answer, just pick your plan and make your first payment.

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Mark Burton
Whole Life Guranteed

Signing up for the Whole Life was easy and now I worry less should anythinig happen to me in the future. Thank You AAA for all you do to help families.

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Neil Amstutz
Glad for guaranteed coverage

Very simple easy to follow online enrollment process, as well as product description received in the mail. This provided a longterm insurance backup when I was denied coverage several times from other companies for term life insurance. Although I would have liked higher coverage, this provides an affordable option for years to come.

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Common questions

Yes, absolutely. As a AAA member aged 45–85, your acceptance is guaranteed. We don't ask about your health, and there are no medical exams or tests. Past or current health conditions do not affect your acceptance or your rate.