Your Direct Term
LIFE INSURANCE offer is on the way!

Wait for your mail offer to arrive, and complete and return the paper application. Be sure to fill out all the required information.

Once approved and your payment processed, we will provide you with a decision. If approved, your Certificate of Insurance will be mailed to you, and you will be on your way to more peace of mind through life insurance coverage.

Locate the invitation code from the offer you received in the mail and complete the convenient online application. Once submitted, you will receive an instant decision on your application.

Where is my invitation code?

Once your policy is active, you will be able to view and manage your policy details at aaalife.com. If you already have your invitation code, click the button below to get started: 

We’re here to answer any questions you may have. If you prefer signing up for coverage over the phone, our Life Specialists are available to assist you and help you get coverage today.

New Policy Inquiries

 (800) 809-7514

Hours of Operation

Monday - Friday: 8 a.m. – 8 p.m. ET
Saturday: 11 a.m. – 3 p.m. ET

No waiting periods.

• There’s no waiting period. Once you’re approved and your payment is processed, your beneficiaries will receive the full coverage amount for a covered loss, even if they also collect from other policies.

There are no medical exams. Just 3 short health questions.

• No blood tests or detailed medical history is required, either. Simply complete the online or enclosed application in full. We’ll use your answers (along with other information that may be provided with your permission) to determine your approval.

Your spouse can apply for coverage, too!

• Having coverage for your spouse is a simple way to boost your family’s
  financial protection. So they can apply, too, if they’re aged 18-74 –
  and they’re eligible for the exclusive group rates even if they’re not
  a AAA member. The definition of Spouse is determined by your state’s law.

As a valued AAA member, you can take advantage of our money-saving group rates. What’s more, if you don’t use nicotine, those rates are even lower!

Your loved ones typically receive the entire coverage amount.

Under current tax law, benefits paid from this type of insurance are generally free of federal income taxes. Please consult your tax adviser if you require further information, as AAA Life cannot provide tax advice.

Your coverage would be guaranteed renewable to age 80

• Once approved, the coverage amount won’t decrease due to health or age. You can’t be singled out for cancellation or individual rate increase, as long as premiums are paid when due and the Group Policy stays in effect.

You’d have the option to convert to permanent life insurance from AAA Life.

• You can convert any time up to age 65, regardless of your health, and without a medical exam. If you’re 65 or older when your Direct Term coverage begins, you’ll have an entire year to convert.

You could even receive funds while alive with our living benefit.

• The “Accelerated Death Benefit” means that if you’re diagnosed with a terminal illness that will result in death in 12 months or less (time period varies by state), you could receive up to 50% of the total benefit in advance. (See Accelerated Death Benefit Summary.