AAA Life Insurance Company

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Frequently Asked Questions


Simple answers to our most frequently asked questions


Frequently Asked Questions


Simple answers to our most frequently asked questions

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.

Quick Links

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:

If you’re curious how much life insurance you may need: Calculate Your Needs

If you’re wondering why AAA Life could be the best choice: Why AAA Life?

MAKING A PAYMENT

Can I make my payment over the phone?

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.

Can I pay my bill online?

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.

How can I set up my account for automatic payments?

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.

What credit cards do you accept?

We accept Visa, MasterCard, American Express, and Discover.

Is there a grace period for late payments?

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.

Why is the address on the premium due notice different from the address on the enclosed envelope?

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.

USING ESERVICES

Who is eligible to register for eServices?

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.

What if there are multiple owners on my policy?

Only one policyowner may register for an eServices account on a given policy.

Which policy do I register if I own multiple policies?

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

What information is required to register?

A policyowner needs to supply the following information to establish identity and policy ownership:

  • Policy Number
  • First/Last Name
  • ZIP Code
  • Social Security Number
  • Date of Birth
  • AAA Membership Number (optional)

What are the User ID and Password requirements for eServices accounts?

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.

Will my account be deactivated because of failed login attempts?

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.

How do I reset my eServices account password?

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.

I forgot my User ID. How can I get a reminder sent to me?

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.

MANAGING MY POLICY ONLINE

How do I make an online payment on my policy?

You can make a payment on your policy by visiting www.aaalife.com/billpay and setting up an eServices account.

 

For initial policy payments, visit www.aaalife.com/payment. Once your payment has been received and applied to your account, you can set up an eServices account to make future payments.

What type of payments can I make with my eServices 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).

What payment methods are accepted for eService payments?

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.

Will I receive a confirmation of my payment?

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.

Can I save my payment information for use on future payments?

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.

Can I change my payment frequency online?

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.

MAKING CHANGES TO MY POLICY

How do I make an address change?

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.

How many beneficiaries can I have?

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.

How do I make a beneficiary change?

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.

How can I change my name on my policy?

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.

How can I change Ownership on my policy?

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.

Can I call about my spouse/child/parent's policy?

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.

Can I make changes/obtain information on my spouse/child/parent's policy if I took out the policy and I pay the premiums?

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.

How do I cancel my policy?

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.

CONTACTING AAA LIFE

What is the mailing address for general correspondence?

AAA Life Insurance Company, 17900 N. Laurel Park Drive, Livonia, MI 48152.
 

Can I fax or email general correspondence?

Yes. Correspondence may be faxed to 1-734-591-6602 or emailed to membersvc@aaalife.com.

When can I call to speak to someone about my policy?

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.

How do I get a copy of my policy/certificate?

A policy owner can call 1-800-684-4222 to request a duplicate policy/certificate.

What is the claims process?

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 claimssvc@aaalife.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.

QUESTIONS ABOUT AAA MEMBERSHIP

Who can I speak to about my AAA membership?

For any information regarding your AAA membership, please contact your local AAA club.

Are AAA Life Insurance Company and AAA the same company?

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.

I have a AAA policy through Physician's Mutual. Can I get information about my policy from AAA Life Insurance Company?

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.