AAA Life Insurance

Protect what matters most with AAA Life Insurance

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AAA Life Insurance

AAA offers an array of life insurance products to meet the needs of you and your family in every stage of life, all from a name you can trust.

Considerations when deciding how much life insurance you need


The coverage you pick depends on the expenses you expect your family to encounter.

Final expenses

Get coverage for funeral expenses, debts, hospital bills, probate costs, and estate and inheritance taxes.

Mortgage & rent

Help pay off your mortgage or provide an additional income stream to assist with rent payments.

Emergency funds

Get additional coverage or use life insurance to save money for many life-changing events.

Educational funds

Help cover your children’s education costs, including elementary school, high school, and college.

Income replacement

Make up for your anticipated income in the event of the unexpected and protect your family’s financial future.

Payment of debts

Life insurance can help you pay off debts such as auto loans, credit cards, and other loans.

What kind of life insurance is right for you?

Father with children
Term Life Insurance

Choose from 2 affordable ways to help protect your family’s future.1

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Whole Life Insurance

A lifetime of coverage could cost you as little as $36.29 a month.1

Father and son on dock
Universal Life Insurance

Permanent yet flexible life insurance that builds cash value.1

Dollar bills money social security card identity theft

Annuities put your retirement savings to work for you.1

Term Life Insurance


AAA offers 2 ways to buy Term Life, which can cover you for a specified number of years (the term) if the premiums are paid and kept current. Apply online with ExpressTerm or work with a AAA Life Insurance Specialist to develop a Traditional Term Life Insurance plan.

ExpressTerm Life Insurance

Traditional Term Life Insurance

Apply online, no health screening for those who qualify Apply with the help of a life insurance specialist
Term lengths: 10, 15, 20, and 30 years Affordable coverage (may require medical exam)
Guaranteed level payments2 Term lengths: 10, 15, 20, 25, and 30 years
31-day money back guarantee Coverage ranges from $100,000 to over $5 million
AAA members receive a 10% discount on policy premiums 31-day money back guarantee
Young couple using laptop at breakfast
ExpressTerm makes Term Life easy

It’s never been so easy and convenient to apply for ExpressTerm Life Insurance through AAA’s secure online application. Get a no-obligation quote, complete the application, and if approved, coverage could begin today.2

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Traditional Term Life fits your needs & budget

Traditional Term Life Insurance may be a cost-effective way for those wanting coverage for 30 years or less, people looking to cover a mortgage or college education, young families on a budget, and others. AAA members save 10% on monthly premiums.


Traditional Term Life, 10-year level3


$100,000 coverage


Monthly rates for AAA members (super preferred, non-nicotine)

Age Male Female
25 $9.03 $8.16
35 $9.03 $8.31
45 $14.03 $13.70
55 $24.87 $20.75
65 $65.97 $41.82
75 $193.17 $134.48

Rates effective as of June 14, 2022



$500,000 coverage


Monthly rates for AAA members (super preferred, non-nicotine)




























Rates effective as of October 24, 2020

Whole Life Insurance

African american couple sailing
Lifetime insurance with rates that will never change

Whole Life Insurance builds cash value with locked-in rates that never change. With coverage ranging from $30,000 to $75,000, it can assist with final expenses and debts, supplement a Term Life Insurance policy, and provide additional income. There’s no medical exam for those who qualify and AAA members save 10% on monthly premiums

Whole Life Insurance4


$30,000 coverage


Automatic monthly rates (standard, non-nicotine)
















AAA member discounted rates effective as of July 3, 2019

Universal Life Insurance

Older gentleman at desk
A flexible life insurance policy that lasts a lifetime

Universal Life is permanent insurance that has a cash value accumulation feature that can provide funds for later-in-life needs.5 It is also an efficient way to leave proceeds to family or a favorite charity5 as the death benefit is generally not subject to income taxes. Universal Life may be right for people who want to earn a competitive interest rate on their premiums and those who need to cover education expenses, a mortgage, or supplement retirement benefits.



AAA offers 2 kinds of annuities6 to help bring stability to your retirement plan. With the Guaranteed Income Annuity, you can transform some or all your funds into immediate regular payments designed to last a lifetime. With the Platinum Bonus Annuity®, you can earn interest on your retirement savings now and pay taxes later.

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Guaranteed Income Annuity
  • A competitive payout rate
  • Fixed income that isn't subject to market fluctuations
  • A lump sum withdrawal can be taken for unexpected needs
  • Supplements retirement
Closeup money cash bills hundreds
Platinum Bonus Annuity®
  • Competitive interest rate and first-year bonus7
  • Maximize your earnings through the power of tax-deferral
  • Free withdrawal once per contract year, up to 10%
  • Comes with a 5-year term

Guaranteed Income Annuity8


How a $100,000 1-time sum of money could be turned into retirement income8


Monthly payment you'll receive

Total payment you'll receive annually

Your payout rate for life

















The payout rate is the income received each year as a percentage of your initial premium. It is not an interest rate.

Platinum Bonus 5 Annuity9

Issue amounts

First-year base interest rate

First-year bonus rate

Total first-year interest rate









$500,000 and above




Rates effective as of July 6, 2022

AAA Life Insurance services & tools

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Get a free life insurance needs assessment

Get help deciding what coverage is best for your needs with a free analysis. AAA Life and its agents do not provide tax, legal, or financial advice.

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AAA Life eServices

Log in or register for an account to manage your policy. Pay your life insurance bill, set up Auto Pay, manage your contact information, and more.