Express Term
Life Insurance

Apply online in minutes to help protect those who matter most.

If you’re looking for fast and easy life insurance that doesn’t require a health screening if you qualify, ExpressTerm Life Insurance through AAA is a great choice to make sure you’re prepared for the unexpected.


Couple with ExpressTerm life insurance through AAA walking bikes through a field

Easy, instant coverage.

  • Apply and buy life insurance online
  • No health screening required if you qualify
  • $25,000-$500,000 in coverage
  • 10, 15, 20, or 30-year terms
  • 31-Day Money Back Guarantee
  • AAA Members save 10%

Family sitting on the couch with a laptop applying for AAA ExpressTerm life insurance

Here’s what to expect.

  • Use an online form to provide information about yourself, your health, and your life insurance needs
  • Name your beneficiaries (who should receive the policy's death benefit if you pass away)
  • Review and sign your application
  • Provide payment details 
  • If additional information is required, you may be asked to complete a simple health screening

Woman researching aaa life insurance policies on her laptop

What is Life Insurance?

Is life insurance right for you? And what do the terms mean? Find out here.

Couple playing with their small child in a park

Do I Need Life Insurance?

If you're a parent, a spouse, or a homeowner, you probably should have life insurance.

Mother with AAA life insurance holding her son

How Much Life Insurance Do I Need?

Considering just a few key points can simplify the task of making decisions about life insurance.

AAA Life and its agents do not provide legal, tax, or financial advice. Please consult your professional advisor prior to the purchase of any policy. Life insurance underwritten and annuities offered by AAA Life Insurance Company, Livonia, MI. AAA Life (CA Certificate of Authority # 07861) is licensed in all states except NY. Products and their features may not be available in all states. 2008 - 2015 All Rights Reserved. New York Residents: Life insurance is issued by AAA Life Insurance Company of New York, Harrison, NY. ** Guaranteed to remain level as long as premiums are paid on time or when due. Otherwise, subject to increase. † 15 days to age 85 for Standard Non-Nicotine and Ages 15 to 85 for Standard Nicotine *The availability, qualifications, and amounts of coverages and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent.

Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, and in Wyoming through AAA Mountain West Inc., License No. 172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting, guidelines and applicable laws.