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AAA Life Insurance Review

When many people think of AAA, they may think of car insurance and other automotive services. What many people may not realize is that the company also has a life insurance department called AAA Life Insurance. 

Read our review below to learn more about AAA Life Insurance as you decide what insurance company is right for your needs. 

How Long Has AAA Life Insurance Been Around?

In 1969, AAA expanded to launch AAA Life Insurance Company and offer customers another product to go along with the company’s auto protection services.

AAA Life Insurance Company is headquartered in Livonia, MI, is licensed to sell in all states except New York and has more than 1.5 million policies currently in force.

What Kind of Life Insurance Does AAA Sell?

AAA Life Insurance Company sells both term and whole life insurance, including universal, guaranteed issue and accident insurance. AAA customers may also supplement their life insurance with annuities. 

AAA Term Life Insurance

AAA sells two different term life insurance policies that provide customers with temporary financial protection during their income-earning years. Both options come available in term lengths of 10, 15, 20 or 30 years. 

  • ExpressTerm Life allows some applicants to qualify without a medical exam and offers between $25,000 and $500,000 in death benefits. 

  • Traditional Term Life offers between $100,000 and $5 million in coverage and will require a medical exam.  

AAA Whole Life Insurance

AAA whole life insurance policies include a traditional option with benefits between $5,000 and $75,000 and premiums that never change. 

AAA also offers a guaranteed issue whole life insurance policy that offers benefits from $5,000 to $25,000 and includes level premiums. The key difference between these policies is that the guaranteed issue option does not require any health questions or a medical exam. 

These policies are most often used for final expense insurance to provide coverage of burial costs and other end-of-life expenses.

Does AAA Life Insurance Have Cash Value?

Universal life insurance includes a cash value that adds an investment aspect to a policy. AAA sells two universal life insurance plans, each with up to $100,000 in death benefits combined with a cash value. 

  • LifeTime Universal has level premiums that won’t change even if interest rates do.
  • Accumulator Universal gives you the ability to change your premium and death benefit amounts over time as your needs change. 

AAA Accident Insurance

Accident insurance provides coverage if you should die because of an accident. Benefit amounts increase over time, there are no health questions or medical exams and there are even cash benefits for ER visits, hospital stays and more. 

Does AAA Life Insurance Have Any Riders?

AAA offers several riders that may be added to a life insurance policy to address certain needs or bolster overall coverage. 

  • An accidental death rider provides protection if your death is the result of an accident that would otherwise void your death benefit payout. Similarly, a travel accident rider covers you if you die while traveling. 

  • Child term riders can add your children to your life insurance policy with up to $20,000 worth of protection. 

  • With a disability waiver of premium, AAA will waive your premiums if you become disabled and unable to earn an income. 

  • Return of premium riders refund up to 100% of your premiums at the end of the term if the coverage is never used. 

How Much Does AAA Life Insurance Cost?

The quotes below represent samples for the AAA ExpressTerm product and are taken from AAA’s online quote tool using non-smokers of average height and weight.

Please note that these are only example rates, and you may find other life insurance rates from other companies in your area that are different from what is listed below.

Age Gender Term length Coverage amount Monthly premium





















Does AAA Insurance Have Good Customer Service?

AAA customer service and satisfaction reviews are equal to the industry average, according to the National Association of Insurance Commissioners’ Complaint Index Report that measures customer complaints among insurance companies. 

AAA Life Insurance has a Consumer Affairs rating of 3.9 stars out of five, which is considered strong. AAA Life Insurance maintains an A+ rating with the Better Business Bureau.

AAA Life Insurance phone number

Current AAA Life Insurance Company customers can call the AAA Life customer support phone number at (888) 223-6534 or the claims department at (888) 223-1509.

Is AAA Life Insurance Financially Stable? 

AAA Life Insurance Company has an A rating (Excellent) from AM Best. The company is more than 50 years old, serves 1.5 million customers and leaves no reason to doubt its financial stability or ability to pay out claims.

Is AAA a Reputable Life Insurance Company?  

AAA Life Insurance is a reputable company with a proven history of success, strong financial ratings and industry average customer satisfaction. 

When choosing a life insurance company, review the available policies to assess how they fit your needs and compare the rates against those of the competition. 

For help, contact a licensed insurance agent to get started.   


Based on your answers, you should consider

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in life insurance coverage.

To confirm this amount or ask questions before making a purchasing decision, you should speak with a licensed insurance agent.

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