AAA Life Insurance Company

Menu

 

Make LIFE
       a priority with

AAA Life

Get a Term 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.

Please complete/correct the required fields

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

Please complete/correct the required fields

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

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

Find a Local Agent

Not sure where to begin? Our life insurance team can help determine the right fit for you.

  • Learn about policy types and options
  • Find the best fit for your needs
  • Get a quote & apply

Call Today

Please complete/correct the required fields

Calculate Your Needs

Get a general idea of the coverage you'll need in just two questions - then use our interactive benefits checklist to get your exact numbers.

Tell us about yourself

Please complete/correct the required fields

LIFE INSURANCE PRODUCTS ¹

Term Life

Coverage that lasts for a specific period of time—you choose the term and coverage amount based on your needs and your budget.

  • Choose between 10, 15, 20, 25, or 30 years of coverage
  • $25,000 - $5,000,000+ in coverage
  • Premiums are guaranteed and never change during the term period
  • No exam for those who qualify—just answer health questions

Whole Life

Simple, lifelong coverage with guaranteed premiums designed to help those you care about take care of final expenses.

  • Lasts a lifetime, as long as you are making payments
  • $5,000 - $25,000 in coverage
  • Premiums never change for your lifetime
  • No exam—just a few health questions

Universal Life

Permanent coverage that grows cash value to help meet your changing needs during your lifetime and leave a legacy to your family.

  • Never expires, even if you stop making payments (as long as minimum premiums or minimum cash value is present)
  • $25,000 - $5,000,000+ coverage
  • Premiums can be adjusted, as long as minimums are maintained
  • No exam for those who qualify—just answer health questions

Life Insurance
Your Way

You have unique needs, and we have lots of options for you! But if you're unsure where to go from here (and you'd like to do a little more research) we have compiled a library of resources to help you. Use these to learn more and plan for a life insurance purchase—your way.

Annuities & More

You have unique needs, and we have options for you!

We are proud to provide additional measures of financial safety and security through our diverse portfolio of life insurance, annuities, and accident insurance designed to meet a variety of needs.

Annuities

Annuities can provide a secure way to receive a steady stream of income from your savings — so you can enjoy retirement with less worry.

Learn More

Accident Insurance

Accident insurance can help cover the costs of recovery or loss of life from a covered accident.

Learn More

Life Resources

Life Insurance Resources

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

Learn & Plan

How much do I need?

Find out how much coverage could be right for you and how long it should last, based on your unique needs.

Contact Us

Locate an Agent

Would you like to talk to a AAA agent  inperson? Visit your AAA club to find a branch location near you

Please complete/correct the required fields