AAA Life Insurance Company - ExpressTerm

Life Insurance in Minutes

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

AAA Life ExpressTerm 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, complete the application, and begin your coverage today.If approved, you can have your life insurance in minutes.


Why wait?
Get started now.

ExpressTerm Life Insurance approval is subject to health history and underwriting guidelines. Not all applicants will qualify. Rates may vary. Coverage amounts vary by age. See policy for specific details of Coverage. 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. Policy Form Series ICC12-1301/TL-1301. ©2015 AAA Life Insurance Company, All Rights Reserved.

ALAN-21835-D13-XX

Privacy Policy

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 and annuity 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 relating to your nonpublic personal information. You do not need to contact us to benefit from our privacy protections.

Why is it Needed?

In order to provide our life insurance, annuity, and travel accident products to you, we gather private and nonpublic personal information about you. Federal and state law requires us to tell you how we collect, share, and protect your nonpublic personal data. Please read this notice to understand how AAA Life handles 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. These standards meet or exceed the federal and state law requirements. In order to ensure the safety and confidentiality of your nonpublic personal information, 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 nonpublic personal information with anyone other than as described in this notice, you do not need to "opt-out" or "opt-in." If, however, after reading this notice, 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 companies who want to market their products or services to you.
  • We do not allow those who do business on our behalf 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
  • All customers (former, existing, and potential) receive the same privacy protections.

Information We May Collect and Use:

Private and nonpublic personal information 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 or AAA Club.
  • Your transactions or experiences with us, such as payment, underwriting, and claim information.
  • We may also gather personal information from 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 (including underwriting, rating, and issuance determinations).
  • Process your claim.
  • Provide customer service.
  • 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.
  • For other purposes as required or permitted by law, such as in response to legal process.

Information We May Disclose:

We do not disclose nonpublic personal information 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 nonpublic personal information about our customers. However, in order 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:

  • Your AAA Club, insurance agent, or broker who is authorized to represent us in order 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.
  • Medical Information Bureau, consumer reporting agencies, or other entities as needed to underwrite policies, process claims, and protect against fraud
  • 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. However, we require all third parties providing services to us to keep confidential and protect all customer information and to use such information only for the services we have authorized.

Customer Records:

Maintaining complete and accurate customer information is important to us. Generally, 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 or your records. If you believe that any of our records are incorrect, you may notify us in writing of any corrections. We will correct your information within 30 days or provide you with the reasons the change is not made and inform you of your right to file a statement about the corrections. Your statement will be kept on file and provided to anyone reviewing your records. Any corrections 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 at ****PHONENUMBER****.

For Those Visiting AAALife.com:

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

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. Our �cookies� are used only when you are visiting our websites. By themselves, the �cookies� do not tell us personally-identifiable information about you. Only you can provide that information on our websites � if you so choose. 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 effectiveness 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 Insurance Company do not collect personally-identifiable information over time and across other websites. AAA Life Insurance Company honors do not track browser settings and do not track requests of visitors of our website.

This notice applies to AAA Life Insurance Company, Auto Club Life Insurance Company, and their agents. If you have a relationship with AAA or affiliated AAA companies, you may receive additional privacy notices from them.

Thank you for choosing us. We value you as a customer and appreciate the opportunity to serve you.

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

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

Terms and Conditions of Use

PLEASE CAREFULLY READ THE TERMS AND CONDITIONS BELOW. BY ACCESSING THIS WEBSITE YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OR USE THIS WEBSITE, OR APPLY FOR LIFE INSURANCE THROUGH THIS WEBSITE.

PLEASE PRINT OR DOWNLOAD A COPY OF THESE TERMS AND CONDITIONS OF USE FOR YOUR RECORDS.

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. IF YOU DO NOT AGREE TO BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS OF USE, DO NOT APPLY FOR LIFE INSURANCE THROUGH THIS WEBSITE. Your continued use of this Website constitutes your acceptance of these Terms and Conditions of Use.

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, estoppel, 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 in AAA Life�s Privacy Policy.

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 INSURANCE COMPANY 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, 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, your 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 at 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 Insurance Company. 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 Insurance Company and its agents do 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 of Use apply to your usage of our website. These Terms and Conditions of Use do not alter or change any terms or provisions of any contract, policy, certificate, or other agreement between you and AAA Life Insurance Company.

Consent To Electronic Transactions, Signatures and Records

By transmitting information through this Website, you consent to the use of electronic transactions and electronic signatures on this Website, and receipt of electronic versions of certain records. You 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 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. You may withdraw your consent to the use of electronic transactions, signature and records, provided however such withdrawal shall not nullify or void any prior electronic transactions or signature for which consent was provided.

YOU AGREE THAT, BY USING THIS WEBSITE AND WHEN YOU CLICK ON AN �I AGREE� ICON OR SIMILIARLY WORDED BUTTON, OR COMPLETE AN ENTRY FIELD WITH YOUR MOUSE, KEYSTROKE, TOUCHSCREEN OR OTHER ELECTRONIC ACTION, YOUR AGREEMENT OR CONSENT WILL BE LEGALLY BINDING AND ENFORCEABLE AND SHALL BE THE LEGAL EQUIVALENT OF YOUR HANDWRITTEN SIGNATURE.

YOU AGREE TO PRINT OR DOWNLOAD ALL DISCLOSURES AND INFORMATION RELATED TO, AND INCLUDING YOUR LIFE INSURANCE APPLICATION AND THESE TERMS AND CONDITIONS OF USE AND KEEP THEM FOR YOUR RECORDS.

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.