Life Insurance

Nobody likes to think about it. Nobody wants to talk about it. But if people you care about depend on you, making sure you have life insurance is one of your most important responsibilities. AAA offers a variety of options to help get you covered.

Members: Manage Your Policies from AAA Life Insurance.

What kind of life insurance is best for me?




Express Term



Coverage Amounts

$100,000 to 5 million+

$25,000 - $250,000

$5,000 to $25,000


Coverage Period

10, 15, 20, 25 & 30 years

10, 15, 20, 25 & 30 years




Competitive Premiums

Guaranteed Level Payments

Guaranteed Level Payments**

Flexible Premiums

Medical History

Requires Medical Exam

Just a health questionnaire

At most, a health questionnaire

Requires Medical Exam


18-75 (renewable to 95)


15 - 80



100% Return of Premium rider

Extra protection for every child you have

Disability waiver of premiums rider


Travel accident rider

Child term rider

Disability waiver of premiums rider

Waiver of monthly deductions rider

Child term rider

Disability waiver of premiums rider


Get a Quote

Get a Quote

Get a Quote

Get a Quote


Life Insurance Types

Express Term Life

Apply and Buy Online in Minutes

We know protecting your family is at the top of your to do list. That's why we want to make it even simpler for you. With ExpressTerm, you can apply for life insurance through our secure online application, buy your policy and in minutes walk away with the coverage you need to help protect you and your loved ones.


Term Life

Our Most Affordable Term Coverage

With Traditional Term Life Insurance through AAA, you can get affordable, valuable coverage that fits exactly what you need to help protect your loved ones' futures. If you're looking for life insurance with low premiums and coverage options to $5 million or more, talk to a specialist today who can help guide you through the coverage process.


Whole Life

Level Premiums & Lifelong Protection

Offering long-term life insurance coverage and the ability to build guaranteed cash value, whole life insurance can be a cost-effective way to plan for final expenses and reduce the financial cost and emotional burden for loved ones. The benefits can also provide help with estate settlement costs or to repay outstanding debt.


Universal Life

Flexible, Permanent Protection

Let us help you design a life insurance policy that can be revised and adapted to help fit your financial goals and budget. We can tailor a permanent life insurance policy that can help you provide protection for your loved ones, builds cash reserves and eases your tax burden.



Your savings can become guaranteed income for life

Retirement gives you the time you've always wanted to travel and see family, but this freedom often comes with money worries. With a competitive fixed interest rate, a minimum interest guarantee for the life of your contract, and retirement income options that can be guaranteed to last a lifetime, it's easy to see how a tax-deferred annuity can help bring safety and stability to any retirement portfolio.


Contact an Insurance Agent Today



Send us some quick details and get a custom quote from a local agent.


Call Us

Get your quote immediately-speak to an expert agent now. 800-564-6222



Visit a Branch

Talk to an agent right in your neighborhood at any one of our 95 branches.Find a Branch »


Multi-policy Discount*

Cover more, save more. You can save up to 15% on your AAA Auto Insurance when you insure your home and life with AAA.
Ask an agent today »


Pay My Life Insurance

Sign in to your AAA Life Insurance eServices account and to easily make a payment on your life insurance policy.
Go Now »


Make an Auto Claim

Use our easy online form to get your auto insurance claim started. Go Now  »