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Traditional Term Life Insurance

Work with a trusted AAA Life Insurance specialist to find the protection you need to prepare for the unexpected.

Is Traditional Term Life insurance right for you?

With Traditional Term life insurance from AAA Life, you can get affordable, valuable coverage that fits exactly what you need to help protect your love ones' futures. We work with you to make sure you never feel confused or overwhelmed - we know choosing life insurance can be a tough decision.

You should apply for Traditional Term Life Insurance if:

  • You're interested in low premiums
  • You want coverage options up to $5 million or more
  • You would like to work with someone that can help guide the coverage process

How Does Traditional Term Life Insurance Work?

Call us today and get connected with a Life Insurance specialist who will help you select a term period, the coverage amount that meets your needs, and work with you throughout the application process. Once approved, you will need to pay the premiums to keep the policy in force.1 If you die during the term period, your beneficiaries will receive the death benefit that you selected.

Traditional Term Life Insurance Features:

  • Low premiums
  • Coverage from $100,000 to $5 million +
  • 10, 15, 20, 25, and 30 years of coverage
  • Coverage for ages 18-75
  • Renewable coverage to age 95, regardless of health1
  • Guaranteed level payments for the entire term period1
  • Early access to funds if you should become terminally ill2
  • Ability to convert to a permanent policy3
  • Work with a specialist to get coverage

Customize your Term Life policy

We understand that everyone’s situation is different. That’s why we offer you the option to customize your Term insurance policy to meet your needs. Here are a few riders that can be added to your policy:

  • Return of Premium Rider – Receive 100% of your premiums back at the end of the term period if coverage is not used.4 LEARN MORE ABOUT RETURN OF PREMIUM
  • Children’s Term Rider - Add up to $20,000 of life insurance protection per child.
  • Disability Waiver of Premium Rider – Ensures your premiums will be waived while you are disabled, as defined in the rider.


Or call 1-855-880-5750 to speak to a Life Insurance Specialist today.

Term with Return of Premium

With Return of Premium, you can receive 100% of your premiums back on your Term life insurance policy.

Disclaimers & Disclosures

1Premiums will increase annually after the level term period, not to exceed the maximum stated by the policy.

2If you are diagnosed with a terminal illness with a life expectancy of 12 months or less, you may request to receive up to 50% of the policy’s death benefit or $500,000, whichever is less. Life expectancy duration varies by state. Requires medical evidence. The remaining benefits payable at death will be reduced by the amount of the Accelerated Death Benefit paid and any accrued and unpaid interest. Benefit may not be available in all states.

3Convertible to permanent life insurance prior to the expiration of 80% of the term period or age 65, whichever is first.

4Return of Premium (ROP) Benefit is provided under the Intermediate Period Endowment Benefit Rider. Some exclusions apply. ROP benefit is not available with 10-year term policy.

Term Policy Form Series: ICC11-1201, TL-1201; Return of Premium Rider Series: ICC11-1207IPE, TL-1207IPE

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.