Term Life Insurance

   
 

 



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Is Term Life Insurance Right for You?
High Coverage for Low Premiums
AAA Life Insurance offers high-quality, competitively-priced term life insurance, with 10-, 15-, 20-, 25- and 30-year level premium guarantees. If your family or financial goals change during that time, you can even convert your policy to a type of life insurance policy that provides permanent protection and builds cash value.

How Much Insurance Do You Need?
Find out on our online financial needs calculator. Go now » 

Save Big with the AAA Multipolicy Discount3
Save up to 15% on AAA Auto Insurance when you protect your auto, life and home with AAA. Learn more» 

Highlights

Provides the most coverage for the lowest out-of-pocket cost

Guaranteed level premiums for the initial term period (rates increase annually after the initial term period)

Qualify for lower premiums if you meet certain health, lifestyle and occupation criteria

Receive up to 50% of the total benefit in the event of a terminal illness1

Get coverage from $100,000 to $10,000,000, guaranteed renewable up to age 95

Convert term policy to a permanent policy with no medical exam, questions or underwriting required (prior to the lesser of 80% of the term period or age 65)

Provide death benefits for your family for as long as the policy is in effect

Get 100% of your Premium Dollars Back2

You can add our Return of Premium (ROP) Rider to your term life insurance that guarantees the return of all your premium payments at the end of your policy's initial term period if never used. Ask your Agent for additional details.

Does this sound like you?

Help assure a solid financial future for you and your family. If you match any of the following descriptions, you might need Term Life Insurance:

• Newlyweds and young families that are on limited budgets
• Wage earners that have employer-sponsored life insurance but need additional protection
• People with life insurance coverage needs of 30 years or less
• Families whose lifestyles would be greatly disrupted by the loss of a loved one on whom they've depended for financial support

What's the right amount of insurance for you? Consider these important factors. 

Disclaimers

1Not available in all states. Requires medical evidence. Receipt of proceeds under this benefit may cause you to be disqualified from some government assistance programs. Please consult that government agency prior to receiving benefit payment. We will deduct a processing fee of $75.00. Interest charges will be applied in advance of the payment made to you. Ask your AAA Life Insurance Professional for details concerning this benefit.

2Return of Premium (ROP) benefit provided under the Intermediate Period Endowment Benefit Rider. Some exclusions apply. Policy and benefit must remain in force in order to be eligible to receive a return of premium. A portion of the ROP amount may be paid if the policy is terminated prior to the end of the initial term period. Return of Premium benefit is not available with a 10-year term policy. Rates and policy approval are subject to specific underwriting guidelines. Your actual rate of return may vary depending on the policy, individual tax rates, and other factors.

The above highlight provides a brief outline of the Certificate provisions and does not contain all of the benefits and exclusions. Products and its features may not be available in all states. For complete terms of the insurance coverage, please refer to the Certificate of coverage.

3Discount not available in Utah and offered through the California State Automobile Association.

Life insurance underwritten and annuities offered by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states except NY. AAA Life CA Certificate of Authority #07861. CSAA Life Insurance Agency of California Inc. License #0D12130. Policy form series TL20081, TL1107-IPE. ALCS-18875-110-XX.
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