Universal Life Insurance

   
 

 



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Is Universal Life Insurance Right for You?
Adjustable Premium Payments, Accessible Funds
AAA Life Insurance Company can work with you to design a life insurance policy that can be revised and adapted to help fit your financial goals and budget.  We can design a permanent life insurance policy that can help you provide protection for your loved ones, builds cash reserves, and eases your tax burden.

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

Save Big with the AAA Multipolicy Discount5
Save up to 15% on AAA Auto Insurance when you protect your auto, life and home with AAA. Learn more» 

Highlights

Offers permanent coverage to last a lifetime

Builds cash value while earning a minimum interest rate

Earn interest at a rate that is tax deferred

Provide death benefits for your family for as long as the policy is in effect1

Death benefits may be provided to your beneficiaries income tax free, under current tax law2

Choose from a variety of premium payment options, changeable at any time as long as they fall within the policy minimums

Access available cash value with a low-interest, tax-free loan3

Reduced rates for nicotine-free, healthy lifestyle

Receive up to 50% of the total benefit in the event of a terminal illness4

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 should consider universal life insurance from AAA Life:

• Young families who may need adjustable premium payments
• Any individual looking for an opportunity to purchase a life insurance policy and build a cash value
• 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

1Beneficiaries without an insurable interest in the insured's life may be subject to income tax. This may occur in situations where the policy has been sold to an unrelated third party. AAA Life does not provide tax advice. You should consult your personal tax consultant for advice.

2AAA Life Insurance Company and its agents do not provide legal or tax advice. You may wish to consult independent legal, tax or financial advice prior to the purchase of any policy. Rates and policy approval are subject to specific underwriting guidelines and personal health history.

3Under current tax laws.

4Not 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.

5Discount not available in Utah and offered through the California State Automobile Association.

This information is not a policy. All descriptions are intended solely to inform you about the many coverage features of Universal Insurance and may not contain all of the policy benefits, limitations and exclusions. The policy, its endorsements and its riders determine exact coverage.

Life insurance underwritten and annuities offered through from 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 ICC08-3501, ICC08-4501, UL-4501, UL-3501. ALCS-18876-110-XX.
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