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Guaranteed Issue Graded Benefit Whole Life Insurance

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

Is Guaranteed Issue Graded Benefit Whole Life Insurance right for you?

With our Guaranteed Issue Graded Benefit 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 your loved ones during a difficult time.

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

  • Desiring life insurance protection to help cover 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 Graded Benefit 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 spouse2

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 enroll. We’ll ask for a few pieces of basic information and your payment. Once received, we’ll mail you your policy. It’s that simple. You can receive coverage right over the phone!

Please note: The policy contains a graded benefit clause, which means if you suffer a covered accidental death, you get the full 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 10%. After two years, the full 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.

3Benefit is available after first two years of policy in force, and benefit may not be available in all states.

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

Policy Form Series: ICC12-6201 & GWL6201

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.

ALAN-19650-113-XX