We understand that life insurance can seem complicated—and we want to help make it easier. Here you’ll find answers to our most frequently asked questions on everything from paying your bill to making changes to your policy.
Explore our Learn & Plan resources to brush up on your life insurance knowledge and decide which policy may be right for you.
If you’re brand new to life insurance: Life Insurance 101
If you’re not sure what kind of life insurance may be right for you: Getting Started:
Yes. There's no charge for making your payment by phone. AAA Life can take your payment by credit card or from your bank account. To pay via bank account, have your check handy to provide the necessary routing and account information (on the bottom of your check). Please call our Member Services department at 1-800-684-4222 to pay your bill by phone.
Yes. AAA Life makes it easy to pay your insurance bill online.
If you would like to make your first payment online, please visit Make a Payment.
If a payment has already been made on your policy, you are eligible to register for an eServices account. eServices allows you to pay your bill, view policy details, and much more. To register, please visit eServices.
You can use the eServices feature to set up automatic recurring payments from your credit/debit card, checking or savings account.
You can also set up your account for automatic payments by providing authorization over the phone or in writing. To give authorization over the phone, call our Member Services department at 1-800-684-4222. To give authorization in writing, fill out this form and mail it to AAA Life Insurance Company, 17900 N. Laurel Park Drive, Livonia, MI 48152. If you are setting up automatic payments from a checking account, you must attach a check marked void. You may also fax the completed form to 1-888-223-6534.
We accept Visa, MasterCard, American Express, and Discover.
Yes. The grace period for policies varies by product, but is at least 31 days from the due date of your bill. If a premium is paid during the grace period, the premium is considered to have been paid on time and your coverage (including riders) remains in effect.
The address listed on the return envelope is a P.O. Box address that will be sent directly to a bank for processing. The address on the premium due notice is the physical address of our administrative office where correspondence is sent. If you send your payment to the administrative office, it will delay your payment from being posted to your account.
No. Money orders are not accepted as a form of payment. We accept personal or cashier’s checks. You can also pay with your checking account or credit card by logging into our eServices platform.
Life insurance policyowners with an active policy may register for an eServices account. Annuities and hospital insurance protection (HIP) products are not supported at this time. Payors, insureds, or beneficiaries will not be able to register for an eServices account unless they are also the policyowner.
Only one policyowner may register for an eServices account on a given policy.
During registration, you will be required to enter a single policy number. If you own multiple policies, any of those policy numbers may be entered. Once you enroll, all policies owned should appear in your eServices account. If all of your policies do not appear, please call our Member Services Department at 1-800-684-4222
A policyowner needs to supply the following information to establish identity and policy ownership:
Your User ID must be between 6-20 characters (may contain letters and numbers, but no spaces) and a password must be at least 8 characters. Your password must contain two of the following: mixed case, number(s), or special characters.
You may change your password after logging in on the My Profile page. Your eServices User ID is permanent and cannot be changed.
Yes. Your account will be deactivated after the sixth failed login attempt. You will need to follow the prompts to reset your password and reactivate the account.
You can click on the Forgot Your User Id or Password link to change your password. If the account was previously deactivated because of excessive failed login attempts, the account will be reactivated upon a successful password reset.
In order to reset your password, you are required to enter your eServices User ID and a policy number associated with the account.
You can click on the Forgot Your User Id or Password link to get your User ID emailed to you. You will be required to provide your policy number and the email address that was set up on your account.
You can make a single payment or enroll in automatic bill to schedule recurring payments at no additional charge. Payments will be automatically deducted based on your payment frequency and the due date on your policy—saving you time (and stamps).
Checking/Savings account - You will need the name of the account holder, the bank routing number, and the account number.
Credit/Debit card - You will need the name of the cardholder, the card number, and the expiration date. We accept Visa, MasterCard, American Express, and Discover.
Yes. AAA Life will send confirmation of the payment to the email address you provided when making the payment online or to register for an eServices account. Be sure to add "aaalife.com" to your accepted email list. If you do not receive the email, check your SPAM folder.
If you are making a payment over the phone, either through the self-service system or with a Member Services Advocate you will be given a confirmation code.
For policies enrolled in automatic bill payments, the current payment method will be displayed and editable. This enables you to update credit/debit card or checking/savings account information, or to switch payment methods as necessary.
For a one-time payment, you are required to enter your credit/debit card or checking/savings account information each time you make a payment.
Yes. You can change the payment frequency for your policy online. For example, if you have been paying quarterly, you can change it to another frequency such as semi-annual or annual, depending on your product.
Address changes can be completed either through eServices, over the phone or in writing. If you already have an eServices account, you can login here to change your address at any time. If you are a current policyholder and do not have an eServices account, you can sign up for one by clicking here. To change your address over the phone, call our Member Services Department at 1-800-684-4222. To change your address in writing, please mail the information to AAA Life Insurance Company, 17900 N. Laurel Park Drive, Livonia, MI 48152.
You may assign as many beneficiaries as you want. The benefit percentages must total 100% for primary beneficiaries and 100% for any contingent beneficiaries you assign.
Beneficiary changes or designations need to be made in writing. You can complete the Beneficiary Change Request form and mail or fax it using the information below in the ‘Contacting AAA Life’ section.
Name change requests need to be made in writing. You can complete the Name Change Request form and mail it or fax it using the information above. A reason must be given for the name change. If the reason is marriage or divorce, no legal documentation is required. If the name change is due to any other reason, legal documentation (copy of a driver's license, passport, etc.) must be included with the request.
Not all policies allow for Ownership changes. Those that do, require the completion of the Life Owner Change Request form. Once complete, the form may be mailed or faxed using the information below in the ‘Contacting AAA Life’ section.
Due to federal privacy laws, we must speak with the person listed as the owner of the policy and obtain authorization to give information regarding their policy. If the owner gives authorization by phone, it will only be valid for one day. Authorization for an extended period of time must be in writing and signed and dated by the owner of the policy. Mail any authorization to the correspondence address listed below in the ‘Contacting AAA Life’ section.
Due to federal privacy laws, we must speak with whoever is listed as the owner of the policy. If you are the owner, you can make changes and obtain information. If you would like to change the ownership on a policy, please have the owner of the policy contact our Member Services Department at 1-800-684-4222. If you merely want to be authorized to obtain information about a policy, please see the previous question above.
Most policies require a written request to cancel. Cancellation requests should include the policy or certificate number(s) being cancelled, a signature from the policy or certificate owner(s), and the date the cancellation request was signed. Please mail or fax your cancellation request using the information below in the ‘Contacting AAA Life’ section.
If the policy you are planning to cancel is set up on automatic recurring payments, you may call our Member Services Department to stop the automatic payments. Requests to stop automatic payments must be received 3 business days before the payment is set to draft.
AAA Life Insurance Company, 17900 N. Laurel Park Drive, Livonia, MI 48152.
Yes. Correspondence may be faxed to 1-734-591-6602 or emailed to firstname.lastname@example.org.
Member Services Advocates are available Monday through Friday from 8:00 AM to 10:00 PM EST and Saturday from 9:00 AM to 6:00 PM EST and can be reached at 1-800-684-4222.
A policy owner can call 1-800-684-4222 to request a duplicate policy/certificate.
To submit a claim in writing, please send a notice of the claim to AAA Life Insurance Company, 17900 N. Laurel Park Drive, Livonia, MI 48152, fax it to 1-888-223-1509, or email email@example.com. The claim may be reviewed based on the initial information provided or we may ask you for proof of loss materials in order to evaluate the claim. Upon receipt of the necessary documentation, the claim will be reviewed and valid claims will be paid.
For any information regarding your AAA membership, please contact your local AAA club.
While your AAA club is affiliated with AAA Life, they are not the same company. As part of the AAA family, you can rely on AAA Life to provide the same high quality service and products you've come to expect with the AAA – a name millions of people rely on for quality roadside assistance.
Unfortunately, AAA Life does not have the information about your policy through Physician's Mutual. You can contact a Physician's Mutual representative at 1-877-441-4747 for more information on your coverage.