Life Insurance

¹Rates as low as $1/day are based on age, health, and underwriting, including a preferred risk class and certain coverage amounts and terms. Not all applicants will qualify. Similar rates may be available for other qualifying individuals based on age, health status, and membership. Traditional Term Policy Form Series: ICC19-1801/1801.

Marriage, parenthood, home ownership and other life-changing events

all come with new financial obligations. Make sure your loved ones are protected with life insurance through AAA.

Frequently Asked Questions

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What is Life Insurance?

Life insurance is a policy that helps you provide for your family after you pass away. Benefits may be used to pay the rent or mortgage, pay household bills or debts, buy groceries, or even cover your funeral expenses.

Couple playing with their small child in a park

Types of Life Insurance

Life insurance coverage falls into one of two categories: term or permanent. A term life insurance policy lasts for a set number of years. A permanent life insurance policy, such as a whole or universal, lasts for the insured person’s lifetime.

Father with AAA life insurance plays with his toddler daughter in a park

How Much Do I Need?

Experts suggest buying a policy that is 8-12 times your annual income. Stay-at-home parents should also have life insurance, to pay for services that will need to be replaced, such as childcare. Since every situation is different, consult with a knowledgeable life insurance agent for a full needs assessment.

What's going on in your life?

Significant life events can lead to evolving life insurance needs. AAA Life offers coverage options that can change as your life does, with guidance available at every new stage.

Get Your AAA Life Insurance Quote

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*$90M+ paid to support AAA Life Insurance beneficiaries every year. Based on total benefit payments made by AAA Life Insurance Company in calendar years 2023–2025. Source: AAA Life Insurance Company Internal Systems.

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. All Rights Reserved.

Premiums are guaranteed, and they are level for the term period and increase annually thereafter. 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. Life insurance underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861. Products and their features may not be available in all states. Traditional Term Policy Form Series: ICC11-1201/TL-1201.

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.

ALAN-28114-322-XX

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