AAA Life Insurance Company ExpressTerm

Meemic has partnered with AAA Life Insurance
Company to provide term life insurance
for our educational community in 3 easy steps.

  • In as little as 10 minutes, you can get term life coverage.
  • There is no phone interview or medical exam; just answer 7 health questions.
  • If approved, you will get your coverage right away - it's all online!

3 Steps to Buy ExpressTerm:


  • Share some basic information and get your free, no-obligation quote.


  • Answer a few basic health questions and submit your application.


  • In just 2 minutes you'll know if you're approved. If so, you're covered—no follow up phone calls, or medical exams necessary.

Buy ExpressTerm Now
Step 1 Get a Quote

31-Day money back guarantee

If you decide that you are not totally satisfied, simply cancel your policy within 31 days.
We will void your insurance and refund your payment.

Looking for higher coverage?

For coverage amounts over $250,000 call 1-855-214-7141 to work with a life insurance specialist or click here to get more information.

Overall Health Guidelines

While it is impossible 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.


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,


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,


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

Note: Depending on your actual health, it is possible that you will be declined coverage.

Looking for Higher Coverage?

AAA Life Insurance Company offers a wide range of products and coverage options to meet your specific needs.


Call 1-855-214-7141

to speak with one of our Life Insurance Specialists.

Monday - Thursday: 9am to 10pm (ET), Friday: 9am to 8:00pm(ET), Saturday: 9am to 3pm (ET)

Or get an online quote for Traditional Term Life Insurance:

Coverage up to $2 Million • Work with a Life Insurance Specialist • Competitive Rates

How does ExpressTerm Life Insurance Work?

ExpressTerm is life insurance that you can purchase online. Use our fully secure site to get a quote, complete the application, and begin your coverage today. If approved, you can have your life insurance in minutes.

ExpressTerm Life Insurance Features:

  • Fast coverage: Apply and buy easily online in as little as 10 minutes
  • Immediate coverage for most applicants
  • No medical exam, just basic health information
  • Coverage from $25,000 to $250,000
  • 10, 15, 20, 25, and 30 years of coverage
  • Guaranteed level payments1
  • Coverage for ages 18-75
  • A yearly savings of at least $60 for AAA members
  • 31-day money back guarantee

Have Questions? Call 1-888-469-4188

Monday - Friday: 8am to 10pm (ET) Saturday: 9am to 6pm (ET)

1Premiums will increase annually after the level term period, not to exceed the maximum stated by the policy. ExpressTerm Life Insurance approval subject to health history and underwriting guidelines. Not all applicants will qualify. Rates may vary. See policy for specific details of coverage. Policy form Series: ICC12-1301/TL-1301