Customer Service

Looking to pay your bill online?

Use AAA Life's online bill pay feature to make payments on your policy.

Have a customer service related question?

Check below for our most frequently asked customer service questions and answers. There are also product related FAQs in the Learning Center.

Need a form?

Visit our Forms Center to access our Customer Service Forms.

Can’t find what you need? 

Please send us an email or call toll free at 800-684-4222 - we’ll be happy to assist you.

Frequently Asked Questions

Questions about contact numbers

What is the phone number for the customer service department?

800-684-4222

How can I send an email to the customer service department?

Please visit the Contact Us page for relevant email addresses.

What are the fax numbers for the customer service department and the claims department?

General Customer Service Fax Number:
734-591-6602

Claims Fax Number:
888-223-1509

What is the physical mailing address that I should send correspondence to (with the exception of billing information which has a P.O. number listed on the return envelope)?

AAA Life Insurance Company
17900 N. Laurel Park Dr.
Livonia, MI 48152-3985

Questions about my billing / payments

Can I make my payment over the phone?

AAA Life can take your payment by credit card right over the phone. Please call our customer service department at 800-684-4222 to pay your bill. These is no charge for making your payment by phone. You will receive a confirmation number from the representative that takes your payment.

Can I pay my bill online?

Yes. AAA Life offers the ability to make online payments. For specific questions regarding online payments, please see our online bill pay FAQs or call our customer service department at
800-684-4222.

How can I set up my account for automatic payments?

To make automatic recurring payments online, you can use the Bill Pay feature to setup payments from your credit/debit card or checking or savings account.

You can also set up your account for automatic payments from a credit card by providing authorization over the phone or in writing. To give authorization over the phone, call our customer service department at 800-684-4222. To give authorization in writing, fill out the Automatic Premium Payment Authorization form and mail to the correspondence address listed above. You may also fax the form to 734-591-6602.

To set up your account for automatic payment from a checking or savings account, authorization must be given in writing, unless payment is made using online Bill Pay. Fill out an Automatic Premium Payment Authorization form and mail it along with a voided check to the correspondence address listed above. You may also fax the form to 734-591-6602.

What credit cards do you accept?

We accept Visa, MasterCard, American Express and Discover credit cards.

What is a grace period and how long is it?

The length of time after a premium is due and unpaid during which the policy, including all riders, remains in force. If a premium is paid during the grace period, the premium is considered to have been paid on time. The grace period for AAA Life Insurance Company policies varies by product but is at least 31 days.

Why is the address on the premium due notice different from the address on the enclosed envelope?

The address listed on the return envelope is a P.O. Box address that will be sent directly to a bank for processing. The address on the premium due notice is the physical address of our corporate office where correspondence is sent. If you send your payment to the corporate office, it will delay your payment getting posted to your account.

Can I set up my account for automatic payments?

Yes. To set up your account for automatic payment from a credit card, authorization can be given either over the phone or in writing. To give authorization over the phone, call our customer service department at 800-684-4222. To give authorization in writing, fill out the Automatic Premium Payment Authorization form and mail to the correspondence address listed above.  You may also fax the form to 734-591-6602.

To set up your account for automatic payment from a checking or savings account, authorization must be given in writing.  Fill out an Automatic Premium Payment Authorization form and mail it along with a voided check to the correspondence address listed above. You may also fax the form to 734-591-6602.

Questions about online Bill Pay

Is the online bill pay service free of charge?

Yes. There is no charge for making a payment online.

What payment methods are accepted?

You can pay your bill online using a checking or savings account. You can also use a credit or debit card. We accept Mastercard, VISA, American Express and Discover.

Can I make online payments for all my policies?

You can make online payments for all policies except Hospital Insurance Protection (HIP), Universal Life and Annuities. Payments cannot be made online for pending or lapsed policies.

You have the option of making a single payment on your policy or to set up automatic recurring payments. By setting up automatic payments, you can help avoid a lapse in coverage by making sure your payments are made in accordance with your payment frequency chosen.

For inforce policies, any payment that is due more than 45 days in the future cannot be processed by making an online premium payment. You may make an early payment through the mail or by contacting a Member Services Advocate over the phone at 1-800-684-4222. Similarly, if premiums are overdue on your policy, with a due date more than 45 days in the past, it is too late to make a premium payment online. In this situation, you will need to contact a Member Services Advocate to discuss reinstatement options.

Can I make more than one premium payment online at the same time for the same policy?

You can only make one payment at a time for each policy if you choose to make a single payment. The number of online payments you can make is based on the payment frequency selected on your policy. For instance, if your payment frequency is set for annual payments, you are only eligible to make one online payment per year.

If you chose to set up automatic recurring payments, your initial premium payment will be applied on your current due date and future premium payments will be set up according to your payment frequency selected. Once you are set up for automatic bill payments, you do not need to go online to make additional payments.

Who can I contact if I am having difficulties while attempting to make an online payment?

Member Service Advocates are available to assist you with questions about online payments.

They can be contacted at 800-684-4222
Monday – Friday 7am – 9pm CST
Saturday 8am – 5pm CST

If you are attempting to make an online payment outside of the hours noted above, and you are having difficulty, you may be able to make your payment through our self service phone system. Simply call the same number listed above and follow the menu prompts.

Are online payments made through aaalife.com secured? How will I know this?

Yes. Payments made through aaalife.com are secured. Transactions will be secured using the Secure Socket Layer (SSL) protocol. Both the web browser and the Bill Pay pages will indicate they are in a secured environment.

Will I receive a confirmation of my payment?

Credit Card payments: You will get online confirmation of both approved and declined payments. Confirmations of approved credit card payments will include an online authorization/confirmation number.

EFT payments: Approved EFT payments will simply process. (No confirmation will generate.) You will receive a letter if your EFT payment is declined.

You will also be able to print the payment summary page.

How long will it take for my payment to be applied to my policy?

For single payments, AAA Life will apply the payment within 1 business day of receipt of the payment.

For automatic recurring payments, AAA Life will apply the initial payment on your current due date and will continue according to your payment frequency selected. For recurring payments that are established after the due date has passed, funds will be applied within 1 business day with future withdrawals applying on the due date.

How long will it take for my payment to be posted to my credit card or banking account?

For single payments, it will take from 1-3 business days for you to see the credit card charge or draft from your financial institution, depending on your payment method.

For automatic recurring payments, the credit card charge or draft from your financial institution will take place on your current due date and will continue according to your payment frequency selected. For recurring payments that are established after the due date has passed, funds will be withdrawn within 1-3 business days with future withdrawals taking place on the due date.

Can I change my payment frequency while making an online payment? For example, if I have been paying quarterly, can I change the mode to annual online?

No. The frequency and the amount due (modal premium) are fixed. If you have been paying premiums annually, then the online payment must be annual. This holds true for all modes. To change your payment mode, please contact a Member Service Advocate at 800-684-4222.

When paying online, can I add a rider that was offered on my bill?

No. The modal premium reflected online will not include the cost of any rider(s) that may have been offered at renewal. Customers wishing to accept an offered rider will need to contact a Member Service Advocate at 800-684-4222.

Can I pay for my AAA Membership online through the aaalife.com bill pay feature?

No. Only premium payments for AAA Life insurance policies can be paid online through the aaalife.com website.

Questions about my policy

How do I make an address change?

Address changes can be completed either over the phone or in writing. To change your address over the phone, call our customer service department at 800-684-4222. To change your address by mail, mail us with the new address at the correspondence address listed above.

How many beneficiaries can I have?

Beneficiaries are not limited as long as the percentages equal 100% for primary beneficiaries and 100% for contingent beneficiaries.

How do I cancel my policy?

A cancellation must be in writing and must include the signature of the owner(s) of the policy and must be dated. Please send your cancellation letter to the correspondence address listed above.

What is the claims process?

A written notice of a claim for a loss covered by a policy must be submitted to AAA Life Insurance Company by mail to the correspondence address above or faxed to 734-591-6602. We will then provide the claimant with a claim form and instructions regarding the proof of loss requirement and the materials that will need to be submitted in order to evaluate the claim. Upon receipt of the necessary documentation, the claim will be reviewed and valid claims will be paid.

Can I call about my spouse/child/parent's policy?

Due to federal privacy law, we must speak with the owner of the policy and obtain authorization to give information regarding their policy. If the owner gives authorization by phone it will only be valid for a single day. Authorization for an extended period of time must be in writing and signed and dated by the owner of the policy. Mail any authorization to the correspondence address listed above.

Can I make changes/obtain information on my spouse/child/parent's policy if I took out the policy and I pay the premiums?

Due to federal privacy laws, we must speak with whomever is listed as the owner of the policy. If you are the owner, you can make changes and obtain information. If you would like to change the ownership on a policy, please have the owner of the policy contact the customer service department at 800-684-4222. If you merely want to be authorized to obtain information about a policy, please see the previous question above.

Questions about information security

Is my information secure?

Yes, we have security capabilities to help secure your information on our systems. Also, we use secure phone lines to ensure the safety of your policy information.

Questions about AAA Auto Club and AAA Life Insurance Company

Who can I speak to about my AAA Motor Club membership?

For any information regarding your AAA Membership, you must contact your local AAA Auto Club.

What is the difference between AAA Life Insurance Company and AAA?  Are they the same company?

AAA Auto Club and AAA Life Insurance Company have the same brand name, but are not considered the same company. Although AAA Life is a part of AAA Auto Club, AAA Life only handles life insurance or travel accident policies issued by AAA Life and does not have access to AAA Auto Club membership information.

AAA Auto Club and AAA Life Insurance Company do work very closely together to help service AAA members.