AAA Life Insurance

Term life insurance

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Life insurance for a specified term

AAA’s Term Life Insurance provides an array of coverage options to meet your family’s needs and budget... and AAA members save 10% on monthly term life payments. 



What is Term Life Insurance? 

Term Life Insurance is an economical way to provide protection for your loved ones with guaranteed payments for a fixed duration of time. Term Life Insurance coverage options vary, policy amounts range from $25K to $5 million dollars, and term length options are 10, 15, 20, 25 or 30 years, depending on the policy selected. Term Life Insurance coverage options will remain in effect, if premiums are paid and kept current. 


AAA Life offers 2 types of policies, ExpressTerm Life Insurance and Traditional Term life Insurance.

ExpressTerm Life Insurance

ExpressTerm is life insurance that you can purchase online. Access our secure site to get a no-obligation quote, simply complete the application, and if approved, your coverage could begin today.


ExpressTerm Life Insurance features:

  • Apply online, no health screening for those who qualify
  • Term lengths: 10, 15, 20, and 30 years
  • Coverage from $25,000 to $500,000
  • Guaranteed level payments
  • A 31-day money back guarantee
  • AAA members save 10% on policy premiums

Traditional Term Life Insurance

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. Apply with the help of a life insurance specialist.


Term Life Insurance features:

  • Affordable coverage (may require medical exam)
  • Term lengths: 10, 15, 20, 25 and 30 years
  • Coverage ranges from $100,000 to $5 million
  • Guaranteed level payments
  • A 31-day money back guarantee
  • AAA members save 10% on policy premiums

Example of Traditional Term Life Insurance monthly rate for $100,000 coverage for 10 years1

(AAA member rate, super preferred, non-nicotine)






















Rates effective as of June 14, 2022


AAA Life Insurance services & tools

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Get a free life insurance 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.

Frequently asked questions