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EXPRESSTERM 

Life Insurance

  • Apply online, and get covered in as little as 10 minutes if you qualify
  • Choose between 10, 15, 20, 25, or 30 years of coverage
  • From $25,000 to $250,000 in coverage
Product Fact Sheet

Get an ExpressTerm Quote

Please complete/correct the required fields

Are you a AAA member?

You don’t need to be a AAA member to apply for life insurance. However, members of AAA do receive some perks – learn more about joining AAA.

Choose a Term Life product:

ExpressTerm

  •   $25,000 to $250,000 in coverage
  •   10, 15, 20, 25, or 30-year term
  •   Apply and buy online

Traditional Term

  •   $100,000 to $5,000,000 in coverage
  •   10, 15, 20, 25, or 30-year term
  •   Apply and buy with an agent
Are you replacing an existing policy?
Have you used nicotine in the last
12 months?

Answer yes if in the last 12 months you have used any of the following: cigarettes, cigars, electronic cigarettes, chewing tobacco, nicotine gum, nicotine patches, pipes, or hookah.

Overall Health Guidelines for ExpressTerm

While it is not possible to know your rate class with 100% certainty until your case is evaluated by the ExpressApprove automated underwriting engine, the following is provided to give you some general guidance as to what you might expect.

If you qualify for a different rate than the one you select, don't worry - we will let you know and explain your options.

Fair

If you don’t qualify for the other rates due to certain other medical conditions you may qualify for this rate.

 
 
 
 

Good

You may qualify for the “Good” rate if you are in generally good health and haven’t used nicotine at all for at least the past 12 months, and

No history of uncontrolled high blood pressure or it is controlled with medication

No personal history of heart disease or cancer (other than skin cancer)

Never had complications due to diabetes

No alcohol or drug abuse

No felony convictions

Excellent

You may qualify for the best or “Excellent” rate if you are in generally good health and haven’t used nicotine at all for at least the past 36 months, and

No history of high blood pressure

No personal history of heart disease or cancer (other than skin cancer)

Never diagnosed or treated for diabetes or elevated blood sugar

No alcohol or drug abuse

No felony convictions

Overall Health Guidelines for Traditional Term

This chart outlines some of the key criteria used to evaluate your health condition status. While we cannot fully determine your rate class until your policy has been underwritten, the information below will provide you with a general idea.

Fair

Nicotine/Tobacco

No nicotine or tobacco use in the past:

13-23 months

Blood Pressure

Blood pressure not exceeding:

145/90 for ages 18-44

150/90 for ages 45-69

155/90 for ages 70+

History of Hypertension:

Well Controlled with more than 1 medication

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

7.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 7+ years

Family history of heart disease and/or cancer:

2 parents/siblings died from cancer or heart disease prior to age 60

Legal History

Moving violations while driving:

More than 4 in last 3 years

Driving under the influence (DUI) convictions:

Up to 1 in the last 3 years; no other moving violations

Good

Nicotine/Tobacco

No nicotine or tobacco use in the past:

24-35 months

Blood Pressure

Blood Pressure not exceeding:

140/90 for ages 18-44

145/90 for ages 45-69

150/90 for ages 70+

History of Hypertension:

Well Controlled with more than 1 medication

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

6.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 7+ years

Family history of heart disease and/or cancer:

1 parent/sibling died from cancer or heart disease prior to age 60

Legal History

Moving violations while driving:

4 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 4 years

Very Good

Nicotine/Tobacco

No nicotine or tobacco use in the past:

36-59 months

Blood Pressure

Blood Pressure not exceeding:

135/90 for ages 18-44

140/90 for ages 45-69

145/90 for ages 70+

History of Hypertension:

Well Controlled with more than 1 medication

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

5.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 10+ years

Family history of heart disease and/or cancer:

No family history of death from heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

3 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Excellent

Nicotine/Tobacco

No nicotine or tobacco use in the past:

60+ months

Blood Pressure

Blood Pressure not exceeding:

130/80 for ages 18-44

135/85 for ages 45-69

140/85 for ages 70+

History of Hypertension:

Well controlled with 1 medication only

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

4.5

If applicable, elevated cholesterol is:

Well controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

Never

Family history of heart disease and/or cancer:

No family history or diagnosis of heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

2 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Fair

Nicotine/Tobacco

No nicotine or tobacco use in the past:

Used last 12 Months

Blood Pressure

Blood pressure not exceeding:

145/90 for ages 18-44

150/90 for ages 45-69

155/90 for ages 70+

History of Hypertension:

Well Controlled with more than 1 medication

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

7.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

None for 7+ years

Family history of heart disease and/or cancer:

2 parents/siblings died from cancer or heart disease prior to age 60

Legal History

Moving violations while driving:

More than 4 in last 3 years

Driving under the influence (DUI) convictions:

Up to 1 in the last 3 years; no other moving violations

Good

Nicotine/Tobacco

No nicotine or tobacco use in the past:

Used last 12 Months

Blood Pressure

Blood Pressure not exceeding:

130/80 for ages 18-44

135/85 for ages 45-69

140/85 for ages 70+

History of Hypertension:

Well Controlled with 1 medication only

Cholesterol

Cholesterol between:

140 to 325

Cholesterol/HDL ratio not exceeding:

4.5

If applicable, elevated cholesterol is:

Well Controlled with treatment

Other Health Conditions

History of heart disease:

No history

History of diabetes:

No history

History of Cancer:

No history

History of Drug or Alcohol Abuse:

Never

Family history of heart disease and/or cancer:

No family history or diagnosis of heart disease or cancer prior to age 60

Legal History

Moving violations while driving:

2 or less in last 3 years

Driving under the influence (DUI) convictions:

None in the last 5 years

Call Today

 

Apply and Buy Life Insurance Online Today

With AAA Life’s ExpressTerm Life Insurance, you can apply for life insurance online. Those that qualify can receive coverage in as little as 10 minutes, but if more information is needed, a quick medical exam can be completed at a time and place that is convenient for you. ExpressTerm allows you to apply for $25,000 to $250,000 in coverage with 10 to 30-year terms. Submit your application for insurance online today to get started.

Is ExpressTerm Right for You?

IT'S THE RIGHT FIT IF:

  • You want a quick application process, with immediate coverage (if no medical exam is required)
  • You want to apply for up to $250,000 in coverage
  • You want the convenience of applying online independently

EXPLORE OUR OTHER OPTIONS IF:

 

Cost Considerations for ExpressTerm

PRICE FACTORS

  • Customizable coverage amounts and term periods are available. Apply for $25,000 to $250,000 in coverage, with a 10, 15, 20, 25, or 30 year term (varies by age)
  • You can get up to half of your benefits early if you are diagnosed with less than a year to live 1
  • Should you die during the term of your coverage, your spouse will receive a free lifetime AAA Membership
  • Individuals aged 18-75 are eligible to apply, but rates tend to increase as you get older or your health declines
  • AAA members save $60 per year by waiving the annual policy fee
  • Personalize your policy with optional riders

Optional Add-Ons

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

CHILD TERM

Add up to $20,000 of life insurance protection per eligible child

ACCIDENTAL DEATH

Provides an additional payment of up to $200,000 to your beneficiary should you die in a covered accident

Apply for Life Insurance Online with ExpressTerm from AAA Life

AAA Life prides itself on providing customizable Term Life Insurance policies to fit your lifestyle. If you’re looking for fast and easy life insurance that doesn’t require a medical exam if you qualify, AAA Life’s ExpressTerm Life Insurance can be a great choice.

Simply fill out our ExpressTerm online insurance quote form to apply. Then, learn about your coverage options and the price for each package. Once approved, and payment is received, this near-instant insurance will be ready to help protect your future.

Life Insurance Made Easy

ExpressTerm life insurance has your convenience at its core. When you select ExpressTerm, you’re choosing a simple, online application process. Just apply online at your convenience, and if more information is needed, a licensed medical professional will come right to you at a time of your choosing for a quick exam – and that’s it!

Learn More about ExpressTerm and other Life Insurance Options

Being an informed buyer is important, particularly when it comes to life insurance. AAA Life is committed to educating our customers. We invite you to explore our informational resources to learn more about the best protection choices for you.

Term Life Insurance Articles

Term vs. Perm: Finding the Right Insurance for You

The Affordability of Term Life Insurance

What’s the Difference Between Term Life Insurance and an Annuity?

How to Compare Life Insurance Policies

Life Insurance Resources

Life Insurance Needs Calculator

Life Insurance 101 - Learn More

Frequently Asked Questions About Life Insurance

The AAA Life
Advantage

We take pride in offering quality service to our
many customers—and it shows! There’s strength
in our number of customers, claims paid, and
especially our competitive premium rates.

Learn More

Learn & Plan

Why AAA Life

We take pride in helping protect your peace of mind. Learn about our commitment to you and your family.

LEARN MORE

Life Resources

Life Insurance Resources

Not sure where to go from here? We've compiled a number of resources to help you.

EXPLORE RESOURCES

ExpressTerm

Fact Sheet

Want to read about this product on the go? Take it with you!
Download the fact sheet.