AAA Life Insurance Company


Life Resources

Learn more about life insurance with these useful materials

Life Resources

Learn more about life insurance with these useful materials

February 15, 2019 // All Resources // How to Buy

No Reason to Procrastinate: 3 Easy Ways to Apply for Life Insurance Coverage

Be honest. Do you procrastinate when it comes to things that you know you should do, but that are, well, not as exciting as watching Game of Thrones or going to the waterpark with your kids? Join the club!

But when it comes to getting life insurance, it’s not something you should put off. That voice in your head may be saying, “I’m young and healthy. Nothing’s going to happen to me.” And statistically, you may be right — but you could become one of the stats. You just don’t know, and that’s the problem.

The solution is to find a way to get life insurance coverage that works for you. Many people prefer to meet with an insurance professional face-to-face, but if that’s not what you prefer, the solution may be to get your coverage from the comfort of your home. Here are your choices:

Go online. By answering just a few questions about yourself, such as your age, height, weight, and general health, you can get a life insurance quote online. In seconds you get a working idea of your monthly premium.

If you are hoping for a simplified application process, an "express" product such as ExpressTerm Life Insurance may be right for you. Your application is taken securely online and eligible applicants may forgo a medical exam. If a medical exam is required, a licensed medical professional can come to you at a time that is convenient for you. If you’re approved, your coverage starts right away. (So why were you procrastinating?)

Keep in mind, because it’s not underwritten in the same way as Traditional Term life insurance, there’s a limit to the amount of coverage you can buy this way. For this product, that limit is a maximum of $250,000 (depending on your age).

Visit a club branch. By visiting a life insurance agent, you can get one-on-one assistance from a knowledgeable professional throughout the application process. An agent can help you assess your coverage needs and answer any questions you may have before providing you with your customized quote.

Keep in mind, a Traditional Term Life Insurance policy will still have to be underwritten, which means answering some additional questions and may involve taking a medical exam.

Pick up the phone. If you like personal interaction and have questions you’d like answered, you can start the life insurance purchasing process by phone. An insurance professional can walk you through the steps, answer any questions you have, and help you apply for coverage.

Keep in mind, because over-the-phone coverage with AAA Life is fully underwritten, you may still need to take a medical exam and answer some additional health questions.

With so many options, it looks like your excuses to procrastinate may have just run out!


Premiums are guaranteed. They are level for the term period and increase annually thereafter. Premiums above are examples only and may vary based on your personal health history and underwriting guidelines. The answers provided to the health questions are used to determine eligibility for coverage. Not all applicants will qualify. Product and its features may not be available in all states. Coverage ends at age 95.

Traditional Term Policy Form Series: ICC11-1201/TL-1201 (In OR: ICC11-1201).
ExpressTerm Policy Form Series: ICC12-1301/TL-1301 (In OR: ICC12-1301).

This is a summary of insurance provisions and does not contain all of the benefits and exclusions. For complete terms of the insurance coverage, please contact your insurance professional or refer to the policy.


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