Call: 888-220-LIFE
to speak to an agent

AAA Life – serving policyholders since 1969

AAA has always been there,
from the Roadside to the Lifeside

— and life’s moments, not rates and coverage tables

Protect yourself and your loved ones

How can AAA Life help
protect your lifestyle?

No health questions. No Medical exam.

Exclusive AAA Member Rates Serving policyholders since 1969 Servicing 1.8M+ insurance policies

What it actually does

Life insurance

Life insurance pays money to the people you choose if you pass away. It matters most when someone would need additional support without your income — a partner, kids, or a relative you help support.

It replaces an income

If your household would need additional support to pay the bills without your income, cover can replace it for the years your family relies on it.

For example: a household with a mortgage and young children usually needs several years of income replaced.
It clears a big debt

Cover can be sized and timed to match a debt, so a mortgage or loan never falls on your family.

For example: a couple with 18 years left on their mortgage takes a 20-year term policy so the home is protected until it’s paid off.
It covers final expenses

Some people don’t need to replace an income — they just want to be sure a funeral and any last bills won’t burden their family.

For example: someone in their 60s whose kids are grown and mortgage is paid may just want $10,000–$15,000 set aside.

The two decisions that matter

How long, and how much

Almost every difference between life insurance products comes down to these two questions. Get them right and the product picks itself.

How long should it last?

“Whole-life” cover always pays out eventually and can build a small cash value, but costs more. “For-a-period” cover — called Term — is much cheaper and lasts a set number of years, which is ideal while you have a mortgage or kids at home.

For example: if you only need protection until the kids finish college and the house is paid off, a 20-year term policy is affordable.
How much do you need?

AAA’s products cover different ranges. Final-expense Whole Life tops out lower, around $75,000, while Term and Universal go well into the hundreds of thousands — from $50,000 all the way to $3,500,000.

For example: $15,000 for a funeral fits Whole Life; $400,000 to replace income and cover a mortgage fits Term or Universal.
Not sure how either answer applies to you?

Ten short questions — no health questions, no medical exam, and “not sure” is always an answer. We’ll point you at the right cover at the end.

Compare

Which cover does what?

Every main AAA Life product side by side — what it does, how long it lasts, what it costs and who can get it. Take the quiz and this same table comes back with your own answers marked on it.

Included — offered by this product – Not offered

Main products only — Guaranteed Issue is a variant of Whole Life and is shown inside that column. Amounts, ages and terms are indicative and must be confirmed with AAA Life. Products and features may not be available in all states.

Want this narrowed down to one?

Answer ten questions and we’ll show you which of these fits, why, and this table with your own requirements highlighted.

Two ways to start

How can we help you with AAA Life Insurance?

Whichever you pick takes about two minutes, and nothing you answer is binding.

AAA members get 10% off Life Insurance — and you don’t need to be a member to apply.

Getting started

Getting started with AAA Life

Find your coverage options in a few easy steps

AAA Life offers a variety of financial protection solutions that can help at any stage of life through life insurance options, accident insurance and annuities. We help our policyholders protect what matters to them and promise to be there when we’re needed most.

Our dedicated life specialists are also available to you to answer any questions and walk you through the process. Use the panel on the right to begin a free, no-obligation check.

Start your free coverage check

No health questions. No medical exam. Nothing binding.

  1. 1Tell us who depends on you
  2. 2Answer a few plain-English questions
  3. 3See the cover that fits, and why

Knowledge Center

Learn before you decide

Your life insurance coverage can be customized to meet you wherever you are in life. Explore the educational resources below to get started on finding the right solution for your needs.

Getting started

You’ve made the decision to consider life insurance. Great choice! Let us help you compare products that best fit your needs.

Learn more
Get the facts

Don’t fall for these life insurance myths! We’ve identified some of the most common misconceptions about coverage to help you make the right choice for your family.

Learn more
Term Life

Term life insurance is coverage that is designed to last for a predetermined length of time. You choose the length of the term and coverage amount based on your needs and your budget.

Learn more

Common questions

The things people ask first

No. You don’t need to be a AAA member to apply for life insurance. Members do receive some perks, including 10% off Life Insurance, and accident cover that is members-only.
Some AAA cover has no health questions and no medical exam, so you’re accepted regardless of health — that’s called Guaranteed Issue. If health is a worry, the quiz routes you there so you can still get protected.
Term lasts a set number of years — 10, 15, 20 or 30 — and gives you the most cover for the lowest monthly cost. Whole Life lasts your whole life, always pays out eventually, builds a small cash value, and costs more. Which is right depends on whether your need is temporary or permanent.
It depends on who relies on you and what you’d want cleared. Around $15,000 covers a funeral and last bills; $400,000 would replace an income and clear a mortgage. AAA Life covers $50,000 to $3,500,000 on Term, and Term rates start from $8/mo.
That’s completely normal, and the quiz is built for it. Every question has a “not sure” answer that never counts against you, and if a few stay unsure we hand you straight to a specialist instead of guessing.
Still have a question?

Book a complimentary call and a AAA Life specialist will talk it through — no obligation, no pressure.

Life Insurance from $8/mo — find the cover that fits in 2 minutes