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Term Life Insurance

Protect what matters most. Starting at $8/mo.Your family’s future, fully covered. Lock in your rate for 30 years.

Term Life Insurance that covers your family, your home, and your future for a price you can afford.
Lock in your rate today and keep it for the entire term.

Personalize your quote

Who are you looking to protect?

Get a quote in 3 minutes.

1.8M+ Policies nationwide 50+ years serving families A AM Best Rating

Your coverage at a glance

$50K–$3.5MCoverage available
10, 15, 20 or 30-yearTerm options
Rate lockedFor the life of your term
ConvertibleTo whole life, no exam
ExcellentTrustpilot rating

What our customers have to say

Trusted by 1.8 million policyholders

Excellent

Based on 2,235+ reviews

Trustpilot
C Baker

Very happy.

After talking on the phone with four insurance companies I went online with Aaa and had insurance that was exactly what I wanted in five minutes. I am so pleased with the decision I made to go with AAA.

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John

Already a satisfied customer, adding more coverage.

I was already a policy holder and have been very satisfied so I actually added more life insurance to my portfolio. This policy is a better deal because it is less costly than most competitors I have found.

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R.C.

Good experience!

I like transacting on a company's website rather than using a phone. The online experience here was great as it was well designed and easy to use. I got my business done in a matter of minutes and left me a satisfied new customer.

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Sample rates

Coverage at a price
you'll love

See sample monthly rates for male and female AAA members based on a $100,000, 10-year term policy in excellent health. Your actual rate depends on your age, health, coverage amount, and term length. Get a personalized quote in minutes — no obligation.

TERM LIFE INSURANCE 10-year term • AAA Member • Non-nicotine
AgeMaleFemale
25$8.31/mo$7.68/mo
35$8.31/mo$7.76/mo
45$13.30/mo$12.19/mo
55$23.92/mo$20.27/mo

*Rates shown are sample monthly rates for male and female AAA members, based on a $100,000, 10-year term policy, excellent health, non-nicotine user. Rates may vary by age, health, coverage amount, term length, and other factors.

Sample rates

Coverage at a price
you’ll love

$500,000 of Term Life Insurance

Monthly premium for 10-year level term policy, female, AAA member, age 35, best class for non-nicotine.

TERM LIFE INSURANCE 10-year term • AAA Member • Non-nicotine
AgeMaleFemale
25$8.31/mo$7.68/mo
35$8.31/mo$7.76/mo
45$13.30/mo$12.19/mo
55$23.92/mo$20.27/mo

*Rates shown are sample monthly rates for male and female AAA members, based on a $100,000, 10-year term policy, excellent health, non-nicotine user. Rates may vary by age, health, coverage amount, term length, and other factors.

Farmers$18.10
State Farm$22.64
John Hancock$23.21
AAA Life lowest rate
Save up to $9.75/mo vs competitors
$13.46

Comparison of publicly available premiums from Compulife and company websites. Premiums were not furnished by these companies and you may contact them with any questions. Premiums are for automatic payments and current as of 10/22/2024.

What is Term Life?

Simple, affordable protection when you need it most

Term life insurance covers you for a predetermined period — 10, 15, 20, or 30 years. Your premium is set when you enroll and stays locked at that same rate for the entire duration of your coverage.

Benefits can be used for anything your family needs: housing costs, a child's education, outstanding debt, or everyday living expenses.

You choose the term and coverage amount based on your needs and budget.

A couple reviewing their finances at home

Choose between

10
Year term
Coverage from$50K - $3.5M
15
Year term
Coverage from$50K - $3.5M
20
Year term
Coverage from$50K - $3.5M
30
Year term
Coverage from$50K - $3.5M

Why AAA Life?

Insurance you can trust, backed by the AAA name

For over 50 years, AAA Life has provided quality protection to American families. Here's what sets us apart.

Rate-locked premiums

Your monthly rate stays the same for the entire term.

Affordable coverage starting at $8/mo

Term life coverage starting at $8/mo.

Flexible term lengths

Choose 10, 15, 20, or 30 years of protection.

Convertible to whole life

Convert later without another medical exam.

Dedicated specialists

Specialists can help you choose the right coverage.

AAA member perks

AAA members may access exclusive savings (10%)You don’t need to be a AAA member to apply for life insurance. However, members of AAA do receive some perks.

AAA Members save 10%

How it works

Get covered in three simple steps

See your quote, complete your application, and choose the coverage that works for you.

STEP 1
Get your quote

Choose who you’re protecting, your coverage amount, and term length.

STEP 2
Complete your application

Provide basic personal, contact, health, lifestyle, and beneficiary information.

STEP 3
Buy your policy

Review your offer and complete your purchase if approved.

Independently rated, year after year

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

ARated A (Excellent)AM Best, [Date]

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

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.

Common questions

Term life covers you for a set number of years and is typically the most affordable option. Permanent life lasts your whole life and builds cash value, but costs more.
Yes. Because it covers a set term with no cash-value component, term life offers the most coverage for the lowest premium — starting at about $8/mo.
Term life pays your beneficiaries if you pass away during the term. An annuity is a retirement product that pays income back to you, usually later in life.
You choose a term (10–30 years) and a coverage amount, then pay a fixed monthly premium. If you pass away during the term, your beneficiaries receive the payout.
Term life is temporary and lower-cost; whole life is permanent, builds cash value, and costs more. Many people start with term and convert later.
Permanent policies never expire and accrue cash value, while term policies cover a fixed period at a lower price. The right choice depends on your budget and goals.
They serve opposite needs: term life protects your family financially if you die; an annuity provides you with income during retirement.
Coverage ends when the term expires. Depending on your policy you may be able to renew, convert to permanent coverage, or let it lapse.
Yes — AAA Life term policies can be converted to permanent coverage later, often without another medical exam.
Just the basics to start: who you're protecting, your ZIP code, date of birth, and a few health and lifestyle questions. It takes about 3 minutes.
A common guideline is 10–15× your annual income, adjusted for debts, your mortgage, and future needs like education. A specialist can help you decide.
Life insurance made simple. Lock in your rate nowTerm Life Insurance starting from $8/mo