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Protecting futures
for 50 years

Get a Term Quote

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Are you a AAA member?

You don’t need to be a AAA member to apply for life insurance. However, members of AAA do receive some perks – learn more about joining AAA.

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Choose a Term Life product:

ExpressTerm

  •   $25,000 to $250,000 in coverage
  •   10, 15, 20, 25, or 30-year term
  •   Apply online

Traditional Term

  •   $100,000 to $5,000,000 in coverage
  •   10, 15, 20, 25, or 30-year term
  •   Apply and buy with an agent

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Are you replacing an existing policy?
Have you used nicotine in the last
12 months?

Answer yes if in the last 12 months you have used any of the following: cigarettes, cigars, electronic cigarettes, chewing tobacco, nicotine gum, nicotine patches, pipes, or hookah.

Overall Health Guidelines for ExpressTerm

While it is not possible to know your rate class with 100% certainty until your case is evaluated by the ExpressApprove automated underwriting engine, the following is provided to give you some general guidance as to what you might expect.

If you qualify for a different rate than the one you select, don't worry - we will let you know and explain your options.

Fair

If you don’t qualify for the other rates due to certain other medical conditions you may qualify for this rate.

 
 
 
 

Good

You may qualify for the “Good” rate if you are in generally good health and haven’t used nicotine at all for at least the past 12 months, and

No history of uncontrolled high blood pressure or it is controlled with medication

No personal history of heart disease or cancer (other than skin cancer)

Never had complications due to diabetes

No alcohol or drug abuse

No felony convictions

Excellent

You may qualify for the best or “Excellent” rate if you are in generally good health and haven’t used nicotine at all for at least the past 36 months, and

No history of high blood pressure

No personal history of heart disease or cancer (other than skin cancer)

Never diagnosed or treated for diabetes or elevated blood sugar

No alcohol or drug abuse

No felony convictions

Overall Health Guidelines for Traditional Term

This chart outlines some of the key criteria used to evaluate your health condition status. While we cannot fully determine your rate class until your policy has been underwritten, the information below will provide you with a general idea.

Fair

Nicotine/Tobacco

No nicotine or tobacco use in the past:

13-23 months

Blood Pressure

Blood pressure not exceeding:

145/90 for ages 18-44

150/90 for ages 45-69

155/90 for ages 70+

History of Hypertension:

Well Controlled with more than 1 medication

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

7.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 7+ years

Family history of heart disease and/or cancer:

2 parents/siblings died from cancer or heart disease prior to age 60

Legal History

Moving violations while driving:

More than 4 in last 3 years

Driving under the influence (DUI) convictions:

Up to 1 in the last 3 years; no other moving violations

Good

Nicotine/Tobacco

No nicotine or tobacco use in the past:

24-35 months

Blood Pressure

Blood Pressure not exceeding:

140/90 for ages 18-44

145/90 for ages 45-69

150/90 for ages 70+

History of Hypertension:

Well Controlled with more than 1 medication

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

6.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 7+ years

Family history of heart disease and/or cancer:

1 parent/sibling died from cancer or heart disease prior to age 60

Legal History

Moving violations while driving:

4 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 4 years

Very Good

Nicotine/Tobacco

No nicotine or tobacco use in the past:

36-59 months

Blood Pressure

Blood Pressure not exceeding:

135/90 for ages 18-44

140/90 for ages 45-69

145/90 for ages 70+

History of Hypertension:

Well Controlled with more than 1 medication

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

5.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 10+ years

Family history of heart disease and/or cancer:

No family history of death from heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

3 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Excellent

Nicotine/Tobacco

No nicotine or tobacco use in the past:

60+ months

Blood Pressure

Blood Pressure not exceeding:

130/80 for ages 18-44

135/85 for ages 45-69

140/85 for ages 70+

History of Hypertension:

Well controlled with 1 medication only

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

4.5

If applicable, elevated cholesterol is:

Well controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

Never

Family history of heart disease and/or cancer:

No family history or diagnosis of heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

2 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Fair

Nicotine/Tobacco

No nicotine or tobacco use in the past:

Used last 12 Months

Blood Pressure

Blood pressure not exceeding:

145/90 for ages 18-44

150/90 for ages 45-69

155/90 for ages 70+

History of Hypertension:

Well Controlled with more than 1 medication

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

7.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 7+ years

Family history of heart disease and/or cancer:

2 parents/siblings died from cancer or heart disease prior to age 60

Legal History

Moving violations while driving:

More than 4 in last 3 years

Driving under the influence (DUI) convictions:

Up to 1 in the last 3 years; no other moving violations

Good

Nicotine/Tobacco

No nicotine or tobacco use in the past:

Used last 12 Months

Blood Pressure

Blood Pressure not exceeding:

130/80 for ages 18-44

135/85 for ages 45-69

140/85 for ages 70+

History of Hypertension:

Well Controlled with 1 medication only

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

4.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

Never

Family history of heart disease and/or cancer:

No family history or diagnosis of heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

2 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Term life insurance as low as $8/mo.*

Calculate Your Needs

Get a general idea of the coverage you'll need in just two questions - then use our interactive benefits checklist to get your exact numbers.

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  • Learn about policy types and options
  • Find the best fit for your needs
  • Get a quote & apply

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Traditional Term

  • Affordable, fully underwritten coverage that’s customized for you
  • Get personal assistance from an experienced agent
  • Up to 30 years and $5,000,000+ in coverage

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Life Resources

Life Insurance Resources

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The AAA Life
Advantage

We take pride in offering quality service to our
many customers—and it shows! There’s strength
in our number of customers, claims paid, and
especially our competitive premium rates.

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