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Guaranteed Issue Whole Life Insurance

Obtain permanent life insurance protection without answering any health questions or a medical exam.

Is Guaranteed Issue Whole Life Insurance right for you?

With our Guaranteed Issue Whole Life Insurance you can receive permanent life insurance without having to qualify for coverage based on your health. If you're between the ages of 45 to 85, you're already approved! The benefits from this guaranteed life insurance are a helping hand for those you care about during a difficult time.

AAA Life’s Guaranteed Issue Whole Life Insurance might be right for people:

  • Desiring life insurance protection to help with final expenses and other debts
  • Who do not want to take a medical exam or answer health questions
  • Looking for a policy with guaranteed premiums

How does our Guaranteed Issue Whole Life Insurance work?

Here are some features of our Guaranteed Issue Whole Life:

  • Benefits and premiums never change
  • Builds cash value with policy loans available1
  • Benefits double for covered travel accidents
  • Free lifetime AAA membership for surviving spouse after the first two years2
  • And at age 100, your coverage stays in effect with no further payment from you.

Just decide the amount of coverage you want - $20,000, $15,000, $10,000 or $5,000. Then, give us a call at 1-877-294-1375 to get coverage. We’ll ask for a few pieces of basic information and your payment. You can receive coverage right over the phone! Once received, we’ll mail you your policy. It’s that simple.

Note: The policy contains a graded benefit feature, which means if you suffer a covered accidental death, your beneficiaries get the total amount of your coverage. But if you suffer a non-accidental death within the first two years of coverage, your beneficiaries get 100% of the premiums you paid, plus an extra 30%. After two years, the total benefit amount is paid for death due to any cause.

Whole Life Insurance

Disclaimers & Disclosures

1Benefits may be reduced by any loans on the policy less debt.

2Annual basic membership dues will be paid by AAA Life Insurance Company to the insured’s local AAA-affiliated club. Benefit is available after first two years of policy in force, and benefit may not be available in all states. Spouse includes Registered Domestic Partner (RDP), Civil Union Partner (CUP), or party to a domestic partnership between two adults, as recognized by state law.

The maximum amount of Guaranteed Issue Whole Life insurance coverage per insured is $25,000.00. Subject to age requirements and policy limit restrictions.

If you are 65 year of age or older, pursuant to California Insurance Code §789.8(b), we are required to advise you of the following. If you plan on the sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product, please be advised that you may be subject to some or all of the following as a result of the sale or liquidation: Adverse tax consequences; early withdrawal penalties; or other costs and/or other costs and/or penalties. You or your agent may also wish to consult independent legal or financial advice before selling or liquidating any assets and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold.

Guaranteed Issue Graded Benefit Whole Life Insurance Policy Form Series: ICC16-6301 & GWL6301 (in OR: ICC16-6301)

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.