AAA Life Insurance Company - ExpressTerm

Life Insurance in Minutes

    • In as little as 10 minutes, you can get the term life coverage you need
    • Simply answer a few health questions, and AAA Life will manage the rest
    • Near-instant coverage for those who qualify—apply online today

Term Life Just for You

    • Life insurance amounts up to $250,000
    • Choose the term period that is right for you - 10, 15, 20, 25 and 30-year terms
    • Payments guaranteed to remain level for the entire term period
    • Coverage available for ages 18-75
    • 31-day money-back guarantee

Get Coverage Now

Use our fully secure site to get a quote, apply, and begin your coverage today if you qualify. You could be only minutes away from the life insurance you need.


Why wait?
Get started now.

Premiums are guaranteed. They are level for the term period and increase annually thereafter. Premiums above are examples only and may vary based on your personal health history and underwriting guidelines. The answers provided to the health questions are used to determine eligibility for coverage. Not all applicants will qualify. Product and its features may not be available in all states. Coverage ends at age 95.

$60 annual policy fee applies for non-members

ExpressTerm Policy Form Series: ICC12-1301/TL-1301 (In OR: ICC12-1301)

This is a summary of insurance provisions and does not contain all of the benefits and exclusions. For complete terms of the insurance coverage, please contact your insurance professional or refer to the policy.

Life insurance underwritten and annuities offered by AAA Life Insurance Company, Livonia, Michigan. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861. Products and their features may not be available in all states.

©2019 AAA Life Insurance Company, All Rights Reserved.

ALAN-21835-D13-XX

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Privacy Policy

Updated: July 25, 2016


Important Information About Your Privacy

Dear Valued Customer:

We thank you for your trust and confidence. We are committed to providing you, our customer, with competitive insurance products and services to help you meet your changing needs. We are equally committed to protecting the private and personal information we collect and maintain about you.

This notice describes our current privacy policy and practices about your nonpublic personal information (NPI). You do not need to contact us to benefifit from our privacy protections. This notice applies to AAA Life Insurance Company, Auto Club Life Insurance Company, and AAA Life Insurance Company of New York (“AAA Life”, “we”, “our” or “us”), and their agents, if applicable. If you have a relationship with AAA or other AAA companies, you may receive privacy notices from them.

Why is it Needed?


To provide our insurance products to you, we gather private and NPI about you. Federal and state laws require us to tell you how we collect, share, and protect your NPI. Please read this notice to understand how we handle this information.

What is Collected?


The type of personal information we collect and share depends on the product you have with us. This information can include:

• Social Security number,

• Personal medical information, and

• Bank account number(s).

How is Your Information Protected?


We have implemented high standards to safeguard your personal information and maintain strict control over access to such information, including the use of computer safeguards and secured files and buildings. These standards meet or exceed the federal and state law requirements. To ensure the safety and confidentiality of your NPI, we continually:

• Maintain and monitor physical, electronic, and procedural safeguards;

• Review our policies and practices;

• Monitor our computer networks;

• Test the strength of our security;

• Restrict employee access to those who need the information to perform their assigned duties and provide products and services to you; and

• Perform full and thorough employee background screening to include criminal background and drug screening processes.

Do You Need to Do Anything?


You do NOT need to take any action in response to this Privacy Notice. Because we do not share your private or NPI with anyone other than as noted in this notice, you do not need to "opt-out" or "opt-in." If you have questions, please feel free to contact us.

Our Privacy Principles:

• We do not sell or rent your personal information;

• We do not share your personal information with non-AAA companies who want to market their products or services to you;

• We only allow AAA companies to use our customer information for their own marketing purposes;

• We require all entities providing products or services on our behalf to protect customer information;

• We do not share your medical information unless you expressly authorize it, it is permitted or required by law, or your application, policy, or contract with us permits disclosure; and

• All customers (former, existing, and potential) receive the same privacy protections.

Information We May Collect and Use:

Private and NPI is the information about you that cannot be obtained from public sources such as telephone directories or government records. We seek to collect and use only information that is necessary to conduct our business, advise you of our products and services, provide you with customer service, and confirm your identity. We may gather nonpublic information about you through sources such as:

• Applications, forms, and medical exams and tests that you complete.

• Policies, certificates, and contracts for products that you have with us.

• Written, electronic, telephone, and other communications from you or your agent, if applicable, or a AAA Club.

• Your transactions or experiences with us, such as payment, underwriting, and claim details.

• Persons other than the individual or individuals proposed for coverage.

How We Use Information About You:


We use your personal information to:

• Process your application;

• Process your claim;

• Provide customer service; and

• Offer additional products that may suit your needs.

Confidentiality of Medical Information:


You may have a special concern about the privacy and protection of your medical information. We only use and share personally identifiable medical information for the following purposes:

• To underwrite life insurance and make eligibility, risk rating, and policy/certificate/contract issuance determinations;

• To administer your policy/certificate/contract or claim; and

• For other purposes as required or permitted by law, such as in response to legal process.

Information We May Disclose:


We do not disclose NPI about you to anyone except as required or permitted by applicable law. We do not sell, or otherwise distribute for sale, customer lists or any NPI about our customers. To provide you with quality service, sometimes it is necessary for us to share your personal information with others.

We may share your personal information with:

• A AAA Club, insurance agent, or broker, if applicable, who is authorized to represent us to better serve you and help meet your product and service needs;

• Companies or individuals performing services on our behalf such as marketing, printing, and mailing vendors;

• MIB, Inc., consumer reporting agencies, or other entities as needed to underwrite policies, process claims, and protect against fraud; and

• Regulatory authorities, law enforcement, or other government agencies as required by law or in response to a valid subpoena.

Information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons. We require all third parties providing services to us to keep confidential and protect NPI and to use it only for the services we have authorized.

Customer Records:


Maintaining complete and accurate customer information is important to us. In general, you have the right to review, copy, and correct your personal information. We will not make available to you any information collected in connection with or in anticipation of a claim or lawsuit in which you are involved. We may charge you for copies of your records. If you believe that any of our records are incorrect, you may notify us in writing of any correction(s). We will correct your information within 30 days or provide you with the reason(s) the change is not made and inform you of your right to file a statement about the correction(s). Your statement will be kept on fifile and provided to anyone reviewing your records. Any correction(s) will be sent to those parties who may have received information from us within the past two years or to support organizations that have received such information during the past seven years. If you believe that our records contain incorrect information, or you would like more information on how to view or correct your information, please contact us.

For AAA Life Insurance Company customers, please call 1-800-684-4222.

For AAA Life Insurance Company of New York customers, please call 1-888-469-4914.

For Those Visiting Our Websites


Our concern for the privacy of your personal information extends to your use of our websites. We use technologies such as data encryption and Secure Sockets Layer (SSL) protocol to provide a high level of security and privacy when you use our websites.

We want to make you aware of how we use “cookies” and “do not track” browser signals when you visit our websites. “Cookies” are files we place in your computer’s browser to store your usage of our websites. “Cookies” help us to understand your usage of our websites, so we can frequently improve our websites. Our “cookies” are only used when you are visiting our websites. By themselves, “cookies” do not tell us your e-mail address or other personally identifiable information. Only you can provide that information on our websites – if you so choose. We do not track users who do not interact with our websites sharing functionality across the web; and thus do not use "do not track" signals. We do not authorize the collection of personally identififiable information from our websites for non-AAA company use.

Our website offers customized features that require use of “HTTP cookies” and similar data files – tiny pieces of information that we ask your browser to store. We make very limited use of these data files. We don't use them to pull data from your hard drive, to learn your email address, or to view data in cookies or other similar data files created by other websites. We will not share the information in these data files or give others access to it – except to help us better serve your needs. 

When you visit our website, we may collect certain technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our website. This information may be used, for example, to alert you about software compatibility issues or to resolve technical or service problems, or it may be analyzed to improve our site design and functionality, as well as our ability to serve you.

In certain instances, we may use third-party service providers to place advertisements for us on other websites and help us measure the effffectiveness of our online advertising. These service providers may use cookies and tracking pixels, tiny invisible graphics that contain unique identifiers, to collect limited Web navigation information, such as the advertisement presented, IP address, operating system and browser type, and pages visited on our site. We do not provide any personally-identifiable information about our users or customers to these service providers, and they do not collect such information for us. These service providers and AAA Life do not collect personally identifiable information over time and across other websites. We honor do not track browser settings and do not track requests of visitors of our websites.

For Those Receiving E-mails

We may communicate with you by e-mail about our products. If you would like to no longer receive e-mails about our products, please click the link at the bottom of the e-mail.

Contact Us


Thank you for choosing us. We value you as a customer and appreciate the opportunity to serve you. For questions about our privacy policy, please contact our Administrative Office at:

AAA Life
Administrative Office
17900 N. Laurel Park Dr.
Livonia, MI 48152-3985
1-800-624-1662

Contact Us

At AAA Life Insurance Company, satisfying your needs is our top priority. We're here to provide you with assistance should you need us.

Phone

1-888-469-4188

Hours of Operation
Monday-Friday: 8am to 10pm Eastern Time
Saturday: 9am to 6pm Eastern Time

Email

Send a message to customersvc@aaalife.com

Mail

Below is the address to our headquarters that you can use for correspondence.

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

Fax

1-888-223-6534 - General Customer Support

Terms & Conditions

Updated: March 18, 2016

PLEASE CAREFULLY READ THE TERMS AND CONDITIONS BELOW. BY ACCESSING THIS WEBSITE YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND CONDITIONS. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OR USE THIS WEBSITE.


Terms of Use

By accessing, viewing, using, or downloading materials from this Website you indicate that you have read and understand these Terms and Conditions of Use and further agree to accept all terms and conditions contained herein without limitation or qualification and to be legally bound by them. These Terms and Conditions of Use are applicable to your use of this Website regardless of how you accessed it. IF YOU DO NOT AGREE TO BE LEGALLY BOUND BY EACH TERM SPECIFIED HEREIN, YOU MUST DISCONTINUE USING AND EXIT THIS WEBSITE IMMEDIATELY. AAA Life reserves the right, in its sole discretion, to modify or change these Terms and Conditions of Use at any time without prior notice to you. Your continued use of this Website following the posting of any changes constitutes your acceptance of the then current Terms and Conditions of Use. If at any time, you choose not to accept these Terms and Conditions of Use, you are not authorized to use this Website.

Portions of this Website may be restricted and require authorization for access. Any unauthorized use or access to these areas, including but not limited to unauthorized entry in AAA Life's systems, misuse of passwords, or misuse of any posted information is strictly prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user or do not consent to continued monitoring, you should not attempt to access restricted areas.

You may not use this Website to engage in any illegal activity or conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this Website will be truthful and accurate.

Trademarks and Copyrights

All materials contained in this Website, including but not limited to names, phrases, logos, icons, graphics, images or designs, software, audio or visual materials, are trade names, registered or unregistered trademarks or service marks (collectively referred to as “Trademarks”) and are the property of or used with permission by AAA Life and are protected by copyright and intellectual property laws. Nothing contained in this Website should be construed as granting, by implication, estoppels, or otherwise, any license or right to use, copy, redistribute, reproduce, republish, upload or download, any Trademark or other information found on this Website without prior written permission of AAA Life. You are not authorized to use any portion of this Website on any other website, in the meta-tags of any other website, or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any content of this Website.

The use of Trademarks by you, or anyone else authorized by you, except as provided herein, is strictly prohibited. You may print out a single copy of the pages on this Website for your personal, non-commercial use provided that all copyright, trademark or other notices are retained and are not modified or revised in any manner. ALL OTHER USES ARE PROHIBITED. Any unauthorized use may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Ownership of Information

All information, other than personal data or information (including email addresses), submitted to AAA Life via this Website, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and shall be deemed and remain the property of AAA Life. AAA Life shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in such information. AAA Life shall not be subject to any obligations of confidentiality regarding submitted information except as expressly agreed by AAA Life or as required by law. Application information submitted to AAA Life shall be treated confidentially to the extent required by applicable law or as otherwise disclosed in the application or AAA Life's Privacy Policy.

Software Licenses

Permission to use any software contained within this Website is granted only if you have registered to use the Website. If you are permitted to use the Website and software, AAA Life grants you a non-exclusive, non-transferable, temporary license to use the software. The software will remain the sole and exclusive property of AAA Life or its third party vendor. If at any time, AAA Life’s authorization to use any software expires or terminates, your license to use the software is immediately and automatically revoked without any further action or notice to you. Under no circumstances other than for backup or archival purposes may you copy the software or any portion thereof without prior written consent. You are not authorized to download, copy, reverse engineer, decompile, or use any software or technical data from this Website in any manner other than as expressly authorized. You further acknowledge that any software which may be available or provided to you on this Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations.

Links to Other Sites and Use of the Internet

This Website may contain links to other Websites for the convenience of users in locating information and services that may be of interest. If you use any linked website, you are leaving this Website. Any linked websites are entirely independent of this Website and may not be maintained by AAA Life. If you decide to visit any linked website, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. AAA Life is not responsible for the content of those websites and makes no warranties or representations about the content, accuracy of information, or quality of products or services offered on such websites. The inclusion of any linked website does not imply approval of or endorsement by AAA Life.

Use of the Internet is solely at your own risk and subject to all applicable state, national, and international laws and regulations. While AAA Life endeavors to apply security protocols which are necessary and appropriate to the types of electronic communications which occur through the use of this Website, the confidentiality of any communication or material transmitted to or from AAA Life via this or other Websites or Internet electronic mail cannot be guaranteed, including personal information such as your address or social security number. AAA Life will not be liable for any loss resulting from a cause over which we have no direct control, including but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.

Disclaimer of Warranty

ALTHOUGH AAA LIFE TRIES TO PROVIDE ACCURATE AND TIMELY INFORMATION, THE CONTENT OF THIS WEBSITE MAY NOT BE ACCURATE, COMPLETE, OR CURRENT AND MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU SHOULD VERIFY ALL INFORMATION BEFORE RELYING ON IT AND DECISIONS BASED ON INFORMATION CONTAINED IN THIS WEBSITE ARE YOUR SOLE RESPONSIBILITY.

USE OF THIS WEBSITE IS ENTIRELY AT YOUR OWN RISK AND ALL INFORMATION, SERVICES, MATERIALS, AND OTHER ITEMS ON THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, AAA LIFE, INCLUDING WITHOUT LIMITATION, ITS AFFILIATES, AGENTS, EMPLOYEES, AND THIRD PARTY CONTENT PROVIDERS, DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, AND TITLE. AAA LIFE DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEBSITE OR ANY MATERIALS WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE WEBSITE OR ANY MATERIALS WILL OPERATE IN AN ERROR FREE OR UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE WEBSITE OR MATERIALS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SOFTWARE IS COMPATIBLE WITH ANY PARTICULAR PLATFORM. AAA LIFE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR RESULTS OF THE USE OF MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.

Limitation of Liability

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE BY ACT OR OMISSION, SHALL AAA LIFE BE LIABLE TO YOU, OR TO ANY THIRD PARTIES, FOR ANY DAMAGES YOU OR A THIRD PARTY MAY SUSTAIN DUE TO YOUR USE OR INABILITY TO USE THE WEBSITE OR ANY MATERIALS, EVEN IF AAA LIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT AAA LIFE ASSUMES NO RESPONSIBILITY AND SHALL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, BROWSING, OR DOWNLOADING OF ANY MATERIALS FROM THIS WEBSITE. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. AAA LIFE SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, BUSINESS INTERRUPTION, LOST REVENUES OR LOST PROFITS, LOSS OF PROGRAMS OR OTHER DATA, OR OTHERWISE, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. IN NO EVENT SHALL THE TOTAL LIABILITY OF AAA LIFE TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE WEBSITE.

Indemnification

You agree to indemnify, defend, and hold harmless AAA Life, its affiliates, subsidiaries, agents, directors, officers, and employees from and against any and all claims, losses, costs and expenses, including reasonable attorney fees and costs, arising out of or related in any way to your use of the Website, any breach by you of these Terms and Conditions of Use, your negligent or intentional acts, errors or omissions in regard to the subject matter herein, or violation of any law or regulation, or any proprietary or privacy right.

Governing Law and Jurisdiction

These Terms and Conditions of Use and any use of this Website are governed by the laws of the State of Michigan without reference to its conflicts of laws provisions and the federal laws of the United States of America as to their interpretation, validity and effect. AAA Life makes no representation that materials in the Website are appropriate or available for use outside the United States of America. If you access this Website from other locations, you do so on your own initiative and are responsible for compliance with all applicable local laws. You consent to the personal and exclusive jurisdiction of the state or federal courts located within the State of Michigan for any disputes arising out of these Terms and Conditions or your use of this Website.

Products and Services

The products referred to on this Website are underwritten by AAA Life. Product information and descriptions contained on this Website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. Please refer to the actual policy for complete details of coverage. Products and their features listed may not be available in all states. Policy approval is not guaranteed and is subject to personal health history and specific underwriting guidelines. You may not be eligible for all products or services and AAA Life reserves the right to determine eligibility in accordance with its underwriting guidelines and as permitted by applicable law. AAA Life does not provide legal or tax advice. You may wish to consult independent legal, tax, or financial advice prior to the purchase of any policy. This Website should not be used or relied upon by you as a substitute for your independent research or professional advice.

AAA Life may discontinue or make changes to the information, products, or services described in this website at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only, and AAA Life does not have any obligation or responsibility to update or amend such information. AAA Life reserves the right to terminate any or all website offerings or transmissions without prior notice. By offering this website and information, products or services, via this website, no solicitation is made to any person to use the website or such information, products or services in jurisdictions where the provision of the website and such information, products or services is prohibited.

Insurance Quotes and Coverage

Online quotes may not be available in all states or for all products or coverage amounts selected. Please contact one of our life specialists for additional information about any of our products or benefits.

Other Agreements

These Terms and Conditions apply to your usage of our websites. These Terms and Conditions do not alter or change any terms or provisions of any contract, policy, certificate, or other agreement between you and AAA Life.

Consent To Electronic Transactions, Signatures and Records

AAA Life may be required by law to provide to you certain written records, notices or disclosures. By transmitting information through this Website, you consent to the use of electronic signatures on this Website, and to the receipt of electronic versions of records, notices, disclosures and communications required by law. Your consent is voluntary, and you may revoke your consent at any time. You are also entitled to receive a free printed copy of any record that we transmit electronically. To revoke your consent, request a printed copy of an electronic record, or to change the e-mail address in which you receive electronic records, notices, disclosures or communications from us, please call AAA Life Customer Service at 1-800-684-4222. You also agree to be bound by any statement, affirmation, consent, or agreement you make or transmit through this Website, including but not limited to any consent you give to receive records, notices, disclosures or communications from AAA Life solely through electronic transmission. You agree that we are under no obligation to confirm the identity or authority of any user of this Website. You accept the risk that the information you transmit to us and any information that we transmit to you may be intercepted by third parties. While you may withdraw your consent to receive electronic records, notices, disclosures or communications from us, such withdrawal shall not nullify or void any prior electronic transactions or electronic signature for which consent was provided.

ExpressApprove

ExpressApprove is AAA Lifes state-of-the-art method used to verify your personal information and determine if we can approve your life insurance application. ExpressApprove takes approximately 90 seconds. During the fully secure ExpressApprove process, AAA Life will obtain and review information about your health and prescription history.