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Accumulator UNIVERSAL Life Insurance

Designed to help provide a lifetime of protection AND flexibility
Enjoy permanent life insurance coverage and access to cash accumulation
From final expenses, to extra income to help with retirement
Purchase as much coverage as needed, starting at $100,000

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Flexible, Permanent Coverage that Grows Cash Value

Universal Life Insurance was created to help protect families, cover final expenses, and provide added peace of mind, with a little extra. AAA Life’s Accumulator Universal Life Insurance allows policy owners to build cash value, which can be used to help cover final expenses, bolster your retirement savings, and even help skip premiums. Help protect your family and your financial security with AAA Life.

Is Accumulator Universal Life Right for You?

IT'S THE RIGHT FIT IF:

Accumulating cash value is an important objective
You want to use the policy's cash value to help supplement retirement income
You want flexibility over how you pay your premiums
You want to leave a death benefit for those you care about

EXPLORE OUR OTHER OPTIONS IF:

You’re looking for a simpler policy to cover your final expenses. Try Whole Life instead
You want coverage that lasts for a specific period of time. Try Traditional Term Life instead
You want to focus on leaving a legacy. Try LifeTIme Universal Life instead

Affordable Coverage for Accumulator Universal Life

PRICE FACTORS

Take advantage of AAA Life’s competitive premium rates
Customize your premium and benefit amounts to accommodate your budget and specific objectives
Accumulate cash value tax-deferred¹
Personalize your coverage with optional add-ons for more protection at less cost than carrying multiple policies

Optional Add-Ons

Riders add additional benefits to further customize a policy for an added cost

CHILD TERM

Can provide up to $20,000 of life insurance coverage per eligible child

WAIVER OF MONTHLY DEDUCTIONS

Pays for your life insurance monthly deductions if you become disabled

ACCIDENTAL DEATH

Provides an additional payment of up to $150,000 to your beneficiary (or your total Accumulator Universal Life coverage amount, whichever is lower) should you die in a covered accident

GUARANTEED PURCHASE OPTION

Allows for an increase of coverage at a future date, without proof of insurability, should you need it

Life Insurance with Cash Value Designed for You

Accumulator life insurance policies offer flexibility for those seeking permanent insurance with AAA Life. Coverage starts as low as $100,000, and each policy offers customizable payment options, tax-deferred cash accumulation, the ability to add insurance riders for children, and accidental death, and more. With an Accumulator Universal Life Insurance policy, you can have the coverage you need with the increased security you desire.

If you’re looking for the benefit of life insurance protection, as well as building cash value, Accumulator Universal Life offers both. Starting at $75.77 per month*, you can get Accumulator Universal Life, and add peace of mind for the ones you care about most.

*Monthly automatic rate shown is for a $100,000 level death benefit for a 35-year-old female, super-preferred non-nicotine. At the guaranteed minimum interest rate of 3.00% coverage is not guaranteed to age 120. Rate is current as of 9/12/2023 and based upon assumptions that are subject to change

Learn more about Universal Life Insurance from AAA Life

AAA Life invites you to learn more about Universal Life Insurance and other term or permanent life insurance policies we offer. Start by reading the informational articles and resources below, or contact a AAA life insurance agent to help find the right policy for you.

Universal Life Insurance Articles

Term Life Insurance vs. Permanent Life Insurance

Tips for Making a Life Insurance Claim

Eight Reasons to Get Life Insurance

Life Insurance Resources

How Much Life Insurance Do You Need?

Life Insurance 101 - Learn More

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Accumulator Universal Life
Fact Sheet

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