AAA Life Insurance Review [2025]
AAA life insurance offers term, whole, and universal policies, and has a financial strength rating of A (Excellent). This AAA life insurance review shows that AAA is pricier than some life insurance companies. Expect to pay about $32 per month for a $500,000 10-year term life insurance policy with AAA.
Tim Bain
Founder & Life Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.Â
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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AAA Life Insurance
Average Monthly Rate For Good Drivers
$13A.M. Best Rating:
AComplaint Level:
MedPros
- Lower than average volume of customer complaints
- Large term life coverage options with medical exam
- Discount options for AAA members
Cons
- Low coverage amounts for whole life policies
- Policyholders below 50 can’t get whole life coverage
AAA life insurance sells affordable policy types such as term, whole, universal, and permanent life insurance. AAA also offers no-exam life insurance for policyholders who can’t get coverage elsewhere due to medical conditions.
On average, AAA life insurance costs $32 monthly, but you can find more affordable AAA life insurance rates by shopping around. This AAA life insurance review will explain everything you need to know about how to buy life insurance with AAA and more about the company’s customer satisfaction, benefits, and financial ratings.
What You Should Know About AAA
AAA offers some of the cheapest life insurance quotes, with term life insurance rates averaging $13 monthly. The company also offers whole, universal, and no-exam life policies.
Policyholders seeking more affordable AAA life insurance coverage can get bundling or membership discounts.
AAA life insurance has an A, or excellent, financial rating from A.M. Best, meaning they’re more than capable of meeting financial obligations. The company also has a lower-than-average volume of complaints, indicating AAA life insurance customer satisfaction is good.
Keep reading this AAA life insurance review to evaluate AAA life insurance ratings, benefits, and customer satisfaction. You can also see our AAA life insurance comparison to competitors to find the cheapest coverage for you.
Pros and Cons of AAA Life Insurance
It’s important to do a comparison of AAA life insurance’s pros and cons before buying coverage. Expect the following AAA life insurance benefits:
- Low customer complaints
- AAA membership discount
- High coverage options with no-exam policy
On the other hand, the cons of AAA life insurance coverage include the following:
- Low coverage amounts for whole life
- Policyholders under 50 ineligible for whole life
Below you can learn more about AAA life insurance customer satisfaction and how to find the cheapest AAA life insurance quotes.
AAA Customer Service and Financial Ratings
A.M. Best scores AAA life insurance financial rating as an A, or excellent, meaning you won’t need to worry about whether the company can pay out its claims to customers.
In addition, AAA life insurance customer satisfaction is good. The National Association of Insurance Commissioners (NAIC) complaint index compares registered complaints against a company with other companies — the average score is 1.00.
The NAIC complaint index for AAA life insurance is 0.82, slightly below average. (For more information, read our “How to File a Complaint Against a Life Insurance Company“).
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AAA Insurance Coverage Options
AAA life insurance coverage options include:
- Term life: AAA offers various types of term life insurance, with terms ranging from 10 to 30 years, and members save 10% on their rates.
- Whole life: Whole life insurance with AAA insures you for your lifetime and has a cash value component. AAA whole life insurance rates start at $18/mo for $100,000 in coverage. Consider AAA to get cheap cash value life insurance.
- Guaranteed issue life: AAA’s guaranteed issue life insurance allows policyholders to buy between $5,000 and $25,000 in coverage without a medical exam. AAA members get their $60 annual fee waived if they carry this policy.
- Universal life: AAA universal life insurance sells coverage between $100,000 and $5 million, with two different policy types. AAA Accumulator coverage offers a cheap cash-value life insurance option for those looking to supplement retirement or other expenses. Alternatively, AAA LifeTime could grant you fixed universal life insurance premiums.
How does life insurance work? It pays out to your life insurance beneficiaries upon your death, offering them financial security.
It’s important to do a comparison of AAA life insurance coverage options to ensure you get the coverage you need. For example, AAA whole life insurance may benefit someone who wants fixed premiums or a policyholder in estate planning.
Whole Life Insurance Average Monthly Rates for a Male with $100,000 in Coverage
| Companies | Age 50 Rates | Age 55 Rates | Age 60 Rates | Age 65 Rates |
|---|---|---|---|---|
| AAA | $18 | $23 | $37 | $60 |
| Accordia Life | $17 | $23 | $56 | $154 |
| AIG | $17 | $27 | $38 | $55 |
| Assurity | $20 | $28 | $44 | $67 |
| Foresters Financial | $15 | $21 | $34 | $44 |
| Liberty Mutual | $40 | $55 | $96 | $142 |
| MassMutual | $17 | $24 | $36 | $62 |
| Mutual of Omaha | $19 | $28 | $42 | $60 |
| Prudential | $22 | $28 | $38 | $58 |
| State Farm | $27 | $34 | $52 | $83 |
| TransAmerica | $20 | $30 | $43 | $71 |
As you can see, it’s possible to get cheap AAA cash value whole life insurance, with rates starting at $18 monthly for a 50-year-old male.
Read more:
- Assurity Life Insurance Review
- Liberty Mutual Life Insurance Review
- MassMutual Life Insurance Review
- Accordia Life Insurance Review
How to File a AAA Life Insurance Claim
Contact the AAA life insurance phone number at 888-223-1509 to file a claim. You’ll need the policy number, coverage number, and policyholder details to proceed.
AAA Life Insurance Online Offerings and Mobile App
Your AAA life insurance login lets you pay your premiums and manage your policy online.
The AAA mobile app also allows policyholders to pay premiums, view policy details, set up automatic payments, and update contact information.
AAA Insurance Rates Breakdown
The cost of AAA life insurance is affordable, with average term life insurance rates of $13 monthly. However, factors such as age, gender, lifestyle, and policy type affect how term life insurance rates are calculated.
Take a look at the table below to compare average AAA life insurance rates by age and gender:
AAA Life Insurance Average Monthly Rates by Age, Gender, and Tobacco Use
| Age | $100,000/ 10-Year | $250,000/ 10-Year | $500,000/ 10-year | $100,000/ 30-Year | $250,000/ 30-Year | $500,000/ 30-year |
|---|---|---|---|---|---|---|
| 25-Year-Old Non-Smoking Female | $8 | $9 | $13 | $12 | $17 | $29 |
| 25-Year-Old Non-Smoking Male | $8 | $11 | $15 | $13 | $21 | $36 |
| 25-Year-Old Smoking Female | $16 | $24 | $44 | $29 | $50 | $96 |
| 25-Year-Old Smoking Male | $19 | $32 | $58 | $35 | $68 | $125 |
| 35-Year-Old Non-Smoking Female | $8 | $10 | $14 | $13 | $22 | $38 |
| 35-Year-Old Non-Smoking Male | $8 | $11 | $15 | $15 | $25 | $44 |
| 35-Year-Old Smoking Female | $17 | $29 | $53 | $40 | $72 | $139 |
| 35-Year-Old Smoking Male | $21 | $34 | $63 | $49 | $95 | $183 |
| 45-Year-Old Non-Smoking Female | $13 | $18 | $28 | $22 | $41 | $75 |
| 45-Year-Old Non-Smoking Male | $13 | $21 | $32 | $29 | $53 | $99 |
| 45-Year-Old Smoking Female | $32 | $57 | $109 | $85 | $155 | $305 |
| 45-Year-Old Smoking Male | $36 | $71 | $137 | $112 | $227 | $442 |
| 55-Year-Old Non-Smoking Female | $19 | $33 | $59 | $58 | $107 | $206 |
| 55-Year-Old Non-Smoking Male | $23 | $43 | $81 | $84 | $149 | $293 |
| 55-Year-Old Smoking Female | $57 | $112 | $219 | N/A | $236 | N/A |
| 55-Year-Old Smoking Male | $78 | $165 | $324 | N/A | N/A | N/A |
| 65-Year-Old Non-Smoking Female | $38 | $76 | $144 | N/A | N/A | N/A |
| 65-Year-Old Non-Smoking Male | $60 | $120 | $233 | N/A | N/A | N/A |
| 65-Year-Old Smoking Female | $118 | $252 | $499 | N/A | N/A | N/A |
| 65-Year-Old Smoking Male | $173 | $413 | $822 | N/A | N/A | N/A |
You should get a AAA life insurance quote to know exactly what you’ll pay for coverage since the rates above are only averages.
AAA Discounts Available
AAA life insurance doesn’t have a long list of discounts. However, AAA members get the cheapest AAA term life insurance quotes with a 10% discount.
In addition, AAA waives the $60 annual policy fee for members who buy a guaranteed issue life insurance policy.
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How AAA Ranks Among Providers
While AAA life insurance is a good option, the company isn’t right for everyone. Since premiums vary by insurers, you might find better rates with another company.
Take a look at the table below for a comparison of AAA life insurance rates to competitors:
Whole Life Insurance Average Monthly Rates for a Female with $100,000 in Coverage
| Companies | Age 50 Rates | Age 55 Rates | Age 60 Rates | Age 65 Rates |
|---|---|---|---|---|
| AAA | $15 | $19 | $26 | $38 |
| Accordia Life | $42 | N/A | $101 | N/A |
| AIG | $15 | $21 | $26 | $45 |
| Assurity | $17 | $23 | $33 | $50 |
| Foresters Financial | $13 | $17 | $25 | $34 |
| Liberty Mutual | $33 | $39 | $60 | $81 |
| MassMutual | $15 | $20 | $28 | $43 |
| Mutual of Omaha | $17 | $22 | $29 | $47 |
| Prudential | $21 | $24 | $29 | $41 |
| State Farm | $23 | $30 | $41 | $60 |
| TransAmerica | $17 | $26 | $37 | $60 |
As you can see, AAA ties for the second-cheapest whole life insurance company, with average rates of $15 monthly for a 50-year-old female.
Frequently Asked Questions
Is AAA group term life insurance good?
You cannot find affordable AAA group term life insurance because the company doesn’t offer group term life insurance.
Does AAA have cash value life insurance?
Yes, AAA offers cheap whole and universal life insurance policies with a cash value component, starting at $15/mo.
Is AAA guaranteed issue life insurance more expensive than a standard policy?
Yes, you’ll pay higher rates for AAA guaranteed issue life insurance. Guaranteed issue life insurance policies allow policyholders with difficulty getting traditional coverage to get instant life insurance coverage with no medical exam. So life insurance companies charge higher premiums to offset increased risk.
Does AAA life insurance increase with age?
Unless your policy has fixed premiums, AAA life insurance rates go up as you age since older individuals face health complications. For example, while the average cost of a AAA 10-year term life insurance policy for a 25-year-old male is $8/mo, the same policy is $60/mo for a 65-year-old male.
What factors affect my AAA life insurance rates?
Age, gender, lifestyle, coverage amount, and other factors affect your AAA life insurance quotes.
How long does AAA life insurance last?
AAA whole life insurance lasts for your lifetime. On the other hand, AAA term life insurance lasts for a specific period, usually between 10 and 30 years.
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How does AAA life insurance handle pre-existing conditions?
Individuals with pre-existing medical conditions can get coverage with AAA guaranteed issue life insurance. However, you’ll pay higher AAA life insurance rates.
How do I file a AAA life insurance claim?
You can file a claim by contacting the AAA life insurance phone number at 888-223-1509.
Your life insurance quotes are always free.
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Tim Bain
Founder & Life Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.Â
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
MarkTheMan
Reliable From Experience
nickyyounger
Great insurance!
1552
Aaa is fine
montyyyy
Great insrance company
ltoms
Window smashing
Reviewer89
Good solid service
1974Chevy
Its very good
rozan00977
Great Company and Great Customer Service
Star3
AAA adjusters are slacking
cyli2001
AAA Auto Insurance