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Life Insurance

Help protect the people you love the most.

Request your free Life Insurance quote

The Coverage Confidence of AAA.

We get it. No one likes to think about it, let alone talk about it. Yet if people you care about depend on you, making sure you have sufficient life insurance is an important responsibility. Make sure your loved ones are protected with the coverage confidence that comes from the brand you already know and trust.

Term Life

Our Most Affordable Term Coverage
With Traditional Term Life Insurance through AAA, you can get affordable, valuable coverage that fits exactly what you need to help protect your loved ones' futures. If you're looking for life insurance with low premiums and coverage options to $5 million or more, talk to a specialist today who can help guide you through the coverage process.

Whole Life

Level Premiums & Lifelong Protection
Offering long-term life insurance coverage and the ability to build guaranteed cash value, whole life insurance can be a cost-effective way to plan for final expenses and reduce the financial cost and emotional burden for loved ones. The benefits can also provide help with estate settlement costs or to repay outstanding debt.

Universal Life

Flexible, Permanent Protection
Let us help you design a life insurance policy that can be revised and adapted to help fit your financial goals and budget. We can tailor a permanent life insurance policy that can help you provide protection for your loved ones, builds cash reserves and eases your tax burden.

How is AAA Life Insurance rated?

AAA Life has been providing outstanding service to our policyholders for over 50 years and has an “A” (Excellent) rating by the credit rating agency AM Best.

How do I make a AAA Life Insurance payment?

AAA Life’s products can be purchased online, over the phone, by mail or through an agent—making the learning and purchase process easy and convenient. Payments can be made monthly, quarterly, semi-annually and annually by EFT, credit card, or through direct billing.

Can you have more than one life insurance policy?

Yes, it is very common to have more than one life policy. For example, many consumers recognize that group life insurance offered through their employer does not usually provide enough coverage to meet their objectives for their loved ones. Many people will also add coverage to supplement their existing coverage as their needs evolve over the years.


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AAA Life and its agents do not provide legal, tax, or financial advice. Please consult your professional advisor prior to the purchase of any policy. Life insurance underwritten and annuities offered by AAA Life Insurance Company, Livonia, MI. AAA Life (CA Certificate of Authority # 07861) is licensed in all states except NY. Products and their features may not be available in all states. 2008 - 2015 All Rights Reserved. New York Residents: Life insurance is issued by AAA Life Insurance Company of New York, Harrison, NY. ** Guaranteed to remain level as long as premiums are paid on time or when due. Otherwise, subject to increase. *The availability, qualifications, and amounts of coverages and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. 

Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, and in Wyoming through AAA Mountain West Inc., License No. 172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting, guidelines and applicable laws.

Premiums are guaranteed, and they are level for the term period and increase annually thereafter. Members can save 10% on traditional term life insurance. Health history, underwriting guidelines and the answers provided to health questions are used to determine approval for coverage. Not all applicants will qualify. Rates may vary. Coverage ends at age 95. This is an outline of the coverage provisions and does not contain all of the benefits and exclusions. For complete terms of the insurance coverage, please refer to the policy.

For California Residents: If you are 65 years of age or older, pursuant to California Insurance Code §789.8(b), we are required to advise you of the following. If you plan on the sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product, please be advised that you may be subject to some or all of the following as a result of the sale or liquidation: Adverse tax consequences; early withdrawal penalties; or other costs and/or penalties. You or your agent may also wish to consult independent legal or financial advice before selling or liquidating any assets and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold.