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Term Life Insurance

Personalized, affordable coverage for when you need it most.

Term Life Insurance from AAA Life provides valuable protection for your future and those most important to you. Term Life benefits can be used to help pay for housing expenses, a child's education, outstanding debt, and daily living costs such as groceries and bills. You choose the length of the term and coverage amount on your needs and your budget. Get an online insurance quote today to get started.

Term Life Insurance

Personalized, affordable coverage for when you need it most.

Term Life Insurance from AAA Life provides valuable protection for your future and those most important to you. Term Life benefits can be used to help pay for housing expenses, a child's education, outstanding debt, and daily living costs such as groceries and bills. You choose the length of the term and coverage amount on your needs and your budget. Get an online insurance quote today to get started.

TERM LIFE PRODUCTS

ExpressTerm Life Apply Online

Innovative and independent online buying process – in as little as 10 minutes LEARN MORE >

  • Apply and get covered right away
  • $25,000-$250,000 in coverage
  • 10, 15, 20, 25, or 30 year terms
  • Apply independently online

Traditional Term Life Apply with an Agent

Receive a personal consultation and guidance from an experienced agent LEARN MORE >

  • Return of Premium rider available
  • $100,000-$5,000,000+ in coverage
  • 10, 15, 20, 25, or 30 year terms
  • Personal assistance from an experienced agent

 

What is Term Life Insurance from AAA Life?

Term life insurance is defined as coverage that is designed to last for a predetermined length of time. AAA Life Term insurance covers a 10 to 30-year period, during which the monthly or annual premium remains the same. But your term policy can change as your needs do. Oftentimes, individuals can convert a current term policy to a permanent life insurance policy if they choose. Learn why AAA Life is a great choice for Term Life Insurance.

Get a Quote for Term Life Insurance

Get a quote for our term life insurance products—straight from your device. It only takes a few minutes.

Get a Quote for Term Life Insurance

Get a quote for our term life insurance products—straight from your device. It only takes a few minutes.

Term life insurance as low as
$8/mo.*

Term life insurance as low as
$8/mo.*

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
  •   Buy online

Traditional Term

  •   $100,000 to $5,000,000 in coverage
  •   10, 15, 20, 25, or 30-year term
  •   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

Help Protect Your Family & Future with AAA Life

For nearly 50 years, AAA Life has offered quality life insurance and annuity products that provide added peace of mind. Our continued focus is on unmatched customer service and coverage designed to fit a variety of needs.

With multiple Term Life Insurance products available, including Traditional Term, Term Life Insurance with Return of Premium, and ExpressTerm online insurance, you can find the right fit with AAA Life.

Learn & Plan

Getting Started

Life insurance made simple! Learn how to shop for the right policy and what to consider when you purchase.

Contact Us

Have questions?

 

Our team is ready to help!

Call us at:

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Or talk to a local agent.

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Learn & Plan

Why AAA Life

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