AAA Life Insurance Company


Guaranteed Issue     WHOLE LIFE     Insurance

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Is Guaranteed Issue Whole Life Right for You?


  • You need to help cover final expenses
  • You want a quick and easy acceptance process, with no medical exam or health questions
  • You want a policy that builds cash value over time1
  • You’re between the ages of 45 and 85 and need a policy with guaranteed premiums


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Price Factors for Guaranteed Issue Whole Life


  • Once locked in, your monthly policy premiums will never go up, as long as they are paid when due
  • The rates available to you will get higher as you age, locking them in early preserves your best rate
  • Customizable coverage amounts up to $25,000
  • Your benefits automatically double if death is caused by a covered accident
  • AAA members and their spouses2 save $60 per year. Not available in ND
  • The limited benefit feature in the first two years allows your acceptance to be guaranteed
  • And at age 100, your coverage stays in effect with no further payment from you. It’s a benefit you can count on
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Additional Features


Your beneficiaries will receive the total benefit amount from day one for accidental death. This Guaranteed Issue Whole Life policy is referred to as graded benefit whole life insurance. If you suffer a non-accidental death within the first two years of coverage, your beneficiaries will get 100% of the level monthly premiums you paid, plus 30%. If death occurs after two years, then the total amount of your coverage is paid, no matter what the cause of death

One Policy, Double the Benefits

According to the National Safety Council's 2016 Injury Facts®, travel accidents are a leading cause of death from unintentional injuries. With Guaranteed Issue Whole Life Insurance, if you die in a covered travel accident, the death benefit doubles. It's automatic, and there are no additional premiums. With this travel accident benefit a $20,000 benefits becomes $40,000; or $15,000 becomes $30,000 and so on. (See policy for details.)

Important Coverage That’s Guaranteed

With Guaranteed Issue Whole Life, not only can you get the life insurance benefits you’re looking for, you’ll get to utilize AAA Life Insurance Company’s quick-and-easy guaranteed acceptance process.

The AAA Life

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
AAA Life Insurance Competitive Advantage Infographic

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Guaranteed Issue Whole Life

Fact Sheet

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