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You don’t need to be a AAA member to apply for life insurance. However, members of AAA do receive some perks – learn more about joining AAA.
Choose a Term Life product:
Answer yes if in the last 12 months you have used any of the following: cigarettes, cigars, electronic cigarettes, chewing tobacco, nicotine gum, nicotine patches, pipes, or hookah.
While it is not possible to know your rate class with 100% certainty until your case is evaluated by the ExpressApprove automated underwriting engine, the following is provided to give you some general guidance as to what you might expect.
If you qualify for a different rate than the one you select, don't worry - we will let you know and explain your options.
If you don’t qualify for the other rates due to certain other medical conditions you may qualify for this rate.
You may qualify for the “Good” rate if you are in generally good health and haven’t used nicotine at all for at least the past 12 months, and
No history of uncontrolled high blood pressure or it is controlled with medication
No personal history of heart disease or cancer (other than skin cancer)
Never required insulin for diabetes or had complications due to diabetes
No alcohol or drug abuse
No felony convictions
You may qualify for the best or “Excellent” rate if you are in generally good health and haven’t used nicotine at all for at least the past 36 months, and
No history of high blood pressure
Never diagnosed or treated for diabetes or elevated blood sugar
This chart outlines some of the key criteria used to evaluate your health condition status. While we cannot fully determine your rate class until your policy has been underwritten, the information below will provide you with a general idea.
No nicotine or tobacco use in the past:
Blood pressure not exceeding:
145/90 for ages 18-44
150/90 for ages 45-69
155/90 for ages 70+
History of Hypertension:
Well Controlled with more than 1 medication
140 to 325
Cholesterol/HDL ratio not exceeding:
If applicable, elevated cholesterol is:
Well Controlled with treatment
Other Health Conditions
History of heart disease:
History of diabetes:
History of Cancer:
History of Drug or Alcohol Abuse:
None for 7+ years
Family history of heart disease and/or cancer:
2 parents/siblings died from cancer or heart disease prior to age 60
Moving violations while driving:
More than 4 in last 3 years
Driving under the influence (DUI) convictions:
Up to 1 in the last 3 years; no other moving violations
Blood Pressure not exceeding:
140/90 for ages 18-44
145/90 for ages 45-69
150/90 for ages 70+
1 parent/sibling died from cancer or heart disease prior to age 60
4 or less in last 3 years
None in the last 4 years
135/90 for ages 18-44
140/90 for ages 45-69
145/90 for ages 70+
None for 10+ years
No family history of death from heart disease or cancer prior to age 60
3 or less in last 3 years
None in the last 5 years
130/80 for ages 18-44
135/85 for ages 45-69
140/85 for ages 70+
Well controlled with 1 medication only
Well controlled with treatment
No family history or diagnosis of heart disease or cancer prior to age 60
2 or less in last 3 years
Used last 12 Months
Well Controlled with 1 medication only
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