AAA Life Insurance Review 2025: Rates, Pros & Cons

AAA is a good choice if you want customizable coverage from a reputable provider. It offers various options, including term, whole and universal life insurance.. Policy terms range from 10 to 30 years, with amounts up to $5 million or more. You may be required to complete a medical exam for some policies. But there are also no-medical-exam term and whole life insurance plans.

The company's whole life insurance policies have low limits, so consider other insurers if you want higher coverage levels. Exploring other providers might be smart if you're looking for different types of life insurance, such as final expense insurance or niche-specific products like senior-friendly policies.

AAA offers different types of life insurance, including term, whole, and universal. Each one fits different coverage needs, budgets and goals. Understand what each policy includes, then decide if AAA is the right choice for your financial situation and protection needs.

Accident insurance provides financial support for accidental injuries or death. AAA's Member Loyalty Accident Insurance is an exclusive benefit for AAA members. It offers extra financial security at no additional cost. 

This coverage is automatically included with other AAA insurance policies. It offers a cash benefit in the event of accidental death or dismemberment. It covers hospital stays, recovery, emergency room visits and loss of life.

A life insurance rider is an additional provision added to a standard policy that provides extra benefits or coverage. You do have to pay extra for this.

• Return of Premium Rider: Offered with traditional term life policies, this rider refunds all premiums paid if the insured outlives the policy term. You can choose a level term of 15, 20 or 30 years. Cover lasts until age 95.
• Child Term Rider: Covers the insured’s children, offering financial protection if a child passes away. Coverage limits apply to each child.
• Disability Waiver of Premium Rider: If the insured becomes disabled and can’t work, this rider waives future premium payments.
• Accidental Death Benefit Rider: Pays an additional death benefit if the insured dies from an accident.
• Travel Accident: Pays an extra benefit if the policyholder dies in a covered travel accident or while traveling as a passenger.
• Guaranteed Purchase Option: Available with Accumulator Universal Life, this rider allows you to increase your coverage later without requiring proof of insurability.

Life insurance premiums depend on various factors, including age, smoking status, coverage level and policy length (term or permanent).

Below are the average AAA term life insurance rates.

Rates shown reflect average quotes for applicants with average health and weight. Your actual premiums may be higher or lower based on your age, health, and lifestyle.

AAA reviews claims after receiving all documentation. This takes a few weeks for them to verify claims and protect against fraud.

The fastest way to file a claim is through AAA Life's online claim portal at aaalife.com. You can also call (800) 624-1662 and follow the prompts to file a new claim. For questions, call: (855) 598-0857.

Required documents include:

• Certified death certificate
• Completed claim form (provided by AAA)
• Basic information about the policyholder (Social Security number, date of birth, address)

Additional documents may be needed for:

• Deaths within two years of the policy being issued (medical records)
• Accidental deaths (police report)
• Policies with multiple beneficiaries (separate forms for each)

Submit documents through AAA's online portal for the fastest processing. You can mail them to AAA Life Insurance Company at 17900 N. Laurel Park Drive, Livonia, MI 48152, or fax to 1-734-591-6602.

We analyzed AAA life insurance offers and processes to determine the pros and cons, and figure out who will benefit from AAA polices.

AAA’s term life insurance gives you fixed-term protection with level premiums and no cash value buildup. It can be renewed or converted to whole life, making it ideal for anyone who wants simple, short-term coverage.

With AAA’s whole life insurance, you get lifetime protection, fixed premiums and a cash value that grows over time. It includes options like Guaranteed Issue Whole Life, fitting well for long-term financial goals and steady premium payments.

AAA’s universal life insurance offers flexible premiums and death benefits, plus the chance for cash value growth and tax advantages. It’s a good choice for those who want adaptable coverage with investment potential.

We collected AAA term life insurance quotes using a standard profile to ensure fair comparisons: a 40-year-old male, nonsmoker, 5 feet 9 inches tall and 160 pounds with an average health rating. Our analysis modified age, gender, height, weight, tobacco use, and health rating to determine average AAA life insurance costs.

Quotes for varying term lengths and coverage amounts show how pricing scales with different policy sizes.

Our weighted scoring prioritizes affordability (55%) because life insurance premiums directly impact your budget for decades. Customer experience carries significant weight (30%), as you'll interact with your insurer during stressful claim situations. Coverage options matter less (15%) if you can't afford your insurer or if it makes filing claims difficult.

Rating factors and coverage availability are subject to state insurance regulations and may vary by location.