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Getting Started

How do I get life insurance?

Most life insurance policies involve filling out an application, but what else is involved? Here we walk through the steps and considerations you need to know as you seek out the right coverage for your life.

Getting Started

How do I get life insurance?

Most life insurance policies involve filling out an application, but what else is involved? Here we walk through the steps and considerations you need to know as you seek out the right coverage for your life.

How to get life insurance

So you’re considering life insurance
That’s great, here’s what to do next:

How much do I need?

Find out how much coverage you should consider and how long it should last, based on your unique needs.

Get Started

Why AAA Life?

We take pride in helping protect your peace of mind. Learn about our commitment to you and your family.

Learn More

What Type of Life Insurance Do I Need?

Here, we explain the two most common types of life insurance so you can make an informed decision on which option is right for you.

Video Transcript →

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CATEGORIES OF LIFE INSURANCE ¹

How long does it last?
What can it cover?
How much does it cost?
Who should get it?

Term Life Insurance

Lasts for a specific period of time—you choose the term and coverage amount, based on your needs and your budget.

Compare Term Life Products

A period of time you select. Usually 10 - 30 years

Large expenses, like your income or mortgage

Term insurance features comparatively low premiums for the amount of coverage.

Young families, those with lots to cover

Permanent Life Insurance

Lifelong coverage that builds cash over time and helps you lay the foundation for long-term financial security.

Compare Whole Life Products

Coverage for your whole life

Final expenses and lifelong needs

You pay a little more for coverage that will never end

Those looking for permanent coverage and more customizable features

CATEGORIES OF LIFE INSURANCE ¹

Term Life Insurance

Lasts for a specific period of time—you choose the term and coverage amount, based on your needs and your budget.

View Products

Term Life Insurance

How long does it last? A period of time you select. Usually 10 - 30 years

What can it cover? Large expenses, like your income or mortgage

How much does it cost? Term insurance features comparatively low premiums for the amount of coverage.

Who should get it? Young families, those with lots to cover

Quick Facts
Quick Facts

Permanent Life Insurance

Lifelong coverage that builds cash over time and helps you lay the foundation for long-term financial security.

View Products

Permanent Life Insurance

How long does it last? Coverage for your whole life

What can it cover? Final expenses and lifelong needs

How much does it cost? You pay a little more for coverage that will never end

Who should get it? Those looking for permanent coverage and more customizable features

Quick Facts
Quick Facts

Get a Quote for Term Life Insurance

Get a quote for our term life insurance products—straight from your device. It only takes a few minutes.

Get a Quote for Term Life Insurance

Get a quote for our term life insurance products—straight from your device. It only takes a few minutes.

Term life insurance starting near
$8/mo.*

Term life insurance starting near
$8/mo.*

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Are you a AAA member?

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:

ExpressTerm

  •   $25,000 to $500,000 in coverage
  •   10, 15, 20, or 30-year term
  •   Buy online

Traditional Term

  •   $100,000 to $5,000,000 in coverage
  •   10, 15, 20, or 30-year term
  •   Buy with an agent
Are you replacing an existing policy?
When was the last time you used any type of nicotine product?

Nicotine products include any of the following: cigarettes, cigars, electronic cigarettes, chewing tobacco, nicotine gum, nicotine patches, pipes, or hookah.

Overall Health Guidelines for ExpressTerm

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.

Fair

If you don’t qualify for the other rates due to certain other medical conditions you may qualify for this rate.

 
 
 
 

Good

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 had complications due to diabetes

No alcohol or drug abuse

No felony convictions

Excellent

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

No personal history of heart disease or cancer (other than skin cancer)

Never diagnosed or treated for diabetes or elevated blood sugar

No alcohol or drug abuse

No felony convictions

Overall Health Guidelines for Traditional Term

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.

Fair

Nicotine/Tobacco

No nicotine or tobacco use in the past:

13-35 months

Blood Pressure

Blood pressure not exceeding:

150/95 for ages 18-69

155/90 for ages 70+

History of Hypertension:

Well controlled with 3 or fewer medications

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

7.0 for ages 18-69

8.0 for ages 70+

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 6+ years

Family history of heart disease and/or cancer:

2 parents/siblings died from cancer or heart disease prior to age 60

Legal History

Moving violations while driving:

4 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 3 years

Good

Nicotine/Tobacco

No nicotine or tobacco use in the past:

36-59 months

Blood Pressure

Blood Pressure not exceeding:

145/90 for ages 18-69

145/90 for ages 70+

History of Hypertension:

Well controlled with 2 or fewer medications

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

5.5

 

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 10+ years

Family history of heart disease and/or cancer:

No family history of death from heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

3 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Excellent

Nicotine/Tobacco

No nicotine or tobacco use in the past:

60+ months

Blood Pressure

Blood Pressure not exceeding:

135/85 for ages 18-69

140/85 for ages 70+

History of Hypertension:

Well controlled with 1 medication only

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

4.5

 

If applicable, elevated cholesterol is:

Well controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

Never

Family history of heart disease and/or cancer:

No family history or diagnosis of heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

2 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Fair

Nicotine/Tobacco

No nicotine or tobacco use in the past:

Used last 12 Months

Blood Pressure

Blood pressure not exceeding:

150/95 for ages 18-69

155/90 for ages 70+

History of Hypertension:

Well controlled with 3 or fewer medications

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

7.0 for ages 18-69

8.0 for ages 70+

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 6+ years

Family history of heart disease and/or cancer:

2 parents/siblings died from cancer or heart disease prior to age 60

Legal History

Moving violations while driving:

4 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 3 years

Good

Nicotine/Tobacco

No nicotine or tobacco use in the past:

Used last 12 Months

Blood Pressure

Blood Pressure not exceeding:

145/90 for ages 18-69

145/90 for ages 70+

History of Hypertension:

Well controlled with 2 or fewer medications

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

5.5

 

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 10+ years

Family history of heart disease and/or cancer:

No family history or diagnosis of heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

3 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Excellent

Nicotine/Tobacco

No nicotine or tobacco use in the past:

Used last 12 Months

Blood Pressure

Blood Pressure not exceeding:

135/85 for ages 18-69

140/85 for ages 70+

History of Hypertension:

Well controlled with 1 medication only

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

4.5

 

If applicable, elevated cholesterol is:

Well controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

Never

Family history of heart disease and/or cancer:

No family history or diagnosis of heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

2 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Life Resources

Life Insurance Resources

Not sure where to go from here? We've compiled a number of resources to help you.

Learn & Plan

Life 101

Learn the ins-and-outs of life insurance and how it works with helpful videos, definitions, and more.

Contact Us

Have questions?

 

Our team is ready to help!

Call us at:

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