Life Insurance

Get more life for less with competitive rates.

Term Life and ExpressTerm

Term Life Insurance

Rates as low as $9 per month1

  • Offers valuable coverage that you can apply for with the help of an agent
  • Choose 10, 15, 20, 25 or 30 years of coverage
  • Guaranteed level payments2
  • Our most affordable coverage (requires a medical exam)
  • Coverage from $100,000 to more than $5 million
  • Work with a AAA Life Insurance Professional to help advise you through the application process
Or call 1-800-770-5043

100% Return of Premium
Did you know you can get 100% of your premium dollars back with our Term Life Insurance with a Return of Premium Benefit? Learn More.

ExpressTerm Life Insurance

Life insurance in minutes.

  • Offers you the opportunity to apply and buy term life insurance completely online in minutes
  • Choose from 10, 15, 20, 25, or 30 year coverage
  • No medical exam – just a few health questions3
  • Guaranteed level payments2
  • Coverage from $25,000 to $250,000
  • Apply and buy online today
 

1. Rate is for a 35-year old woman in excellent health who has never used nicotine for $100,000 of coverage.
2. Premiums will increase annually after the level term period, not to exceed the maximum stated in the policy.
3. ExpressTerm Life Insurance approval is subject to health history and underwriting guidelines. Not all applicants will qualify. Rates may vary. See policy for specific details of coverage.   

Life insurance underwritten by our affiliate AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except NY. CA Cert of Authority #07861. Product availability and features may vary by state. 2008 - 2014 All Rights Reserved. New York Residents: Life insurance is issued by AAA Life Insurance Company of New York, Harrison, NY. ALAN-22225-814-XX.

Term Policy Form Series: IC11-1201, TL-1201; Return of Premium Rider Series: ICC11-1207IPE, TL-1207IPE; ExpressTerm Rider Series: ICC12-1301/TL-1301
 

 

 

Whole Life

Is Whole Life Insurance Right for You?

Long Term Coverage, Great Benefits
Whole life insurance from our affiliate AAA Life Insurance Company offers long-term life insurance coverage and builds a guaranteed cash value. What can it pay for? 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.

Highlights
Guaranteed to remain level as long as premiums are paid on time or when due. Otherwise, subject to increase.

  • Builds cash value
  • Policies issued through age 79
  • Reduced premium rates for non-nicotine use
  • Optional rider to cover your children
  • Provide death benefits for your family for as long as the policy is in effect
  • Death benefits may be provided to your beneficiaries income tax free, under current tax law1
  • Receive accelerated benefits in the event of a terminal illness1

Does this sound like you?

Help assure a solid financial future for you and your family. If you match any of the following descriptions, you might need whole life insurance:

  • Any individual who needs long-term life insurance coverage
  • Wage earners with employer-sponsored life insurance but who would also like to build cash value in a life insurance policy that they own
  • Families whose lifestyles would be greatly disrupted by the loss of a loved one on whom they've depended for financial support

or contact a local agent by calling 1-800-770-5043.

1. Not available in all states. Requires medical evidence. Receipt of proceeds under this benefit may cause you to be disqualified from some government assistance programs. Please consult that government agency prior to receiving benefit payment. We will deduct a processing fee of $75.00. Interest charges will be applied in advance of the payment made to you. Ask your AAA Life Insurance Professional for details concerning this benefit.

Universal Life

Is Universal Life Insurance Right for You?

Adjustable Premium Payments, Accessible Funds
AAA Life Insurance Company can work with you to design a life insurance policy that can be revised and adapted to help fit your financial goals and budget.  We can design a permanent life insurance policy that can help you provide protection for your loved ones, builds cash reserves, and eases your tax burden.

Highlights

  • Offers permanent coverage to last a lifetime
  • Builds cash value while earning a minimum interest rate
  • Earn interest at a rate that is tax deferred
  • Provide death benefits for your family for as long as the policy is in effect1
  • Death benefits may be provided to your beneficiaries income tax free, under current tax law2
  • Choose from a variety of premium payment options, changeable at any time as long as they fall within the policy minimums
  • Access available cash value with a low-interest, tax-free loan3
  • Reduced rates for nicotine-free, healthy lifestyle
  • Receive up to 50% of the total benefit in the event of a terminal illness4

Does this sound like you?

Help assure a solid financial future for you and your family. If you match any of the following descriptions, you should consider universal life insurance:

  • Young families who may need adjustable premium payments
  • Any individual looking for an opportunity to purchase a life insurance policy and build a cash value
  • Families whose lifestyles would be greatly disrupted by the loss of a loved one on whom they've depended for financial support

or contact a local agent by calling 1-800-770-5043.

1. Beneficiaries without an insurable interest in the insured's life may be subject to income tax. This may occur in situations where the policy has been sold to an unrelated third party. AAA Life does not provide tax advice. You should consult your personal tax consultant for advice.
2. AAA Life Insurance Company and its agents do not provide legal or tax advice. You may wish to consult independent legal, tax or financial advice prior to the purchase of any policy. Rates and policy approval are subject to specific underwriting guidelines and personal health history.
3. Under current tax laws.
4. Not available in all states. Requires medical evidence. Receipt of proceeds under this benefit may cause you to be disqualified from some government assistance programs. Please consult that government agency prior to receiving benefit payment. We will deduct a processing fee of $75.00. Interest charges will be applied in advance of the payment made to you. Ask your AAA Life Insurance Professional for details concerning this benefit.

This information is not a policy. All descriptions are intended solely to inform you about the many coverage features of Universal Insurance and may not contain all of the policy benefits, limitations and exclusions. The policy, its endorsements and its riders determine exact coverage.

Life insurance underwritten by our affiliate, AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states except NY. Products and features may not be available in all states.Policy Form Series: ICC11-1201, TL-1201. Rider Form: ICC11-1207IPE, TL-1207IPE. ALAN22161-714-XX

Annuities

As Your Assets Grow, So Does Peace of Mind

For over 100 years, people have counted on AAA to provide them with peace of mind when taking to the road. Now you can have that same sense of security in your retirement plan.

Retirement gives you the time you've always wanted to travel and see family, but this freedom often comes with money worries. With a competitive fixed interest rate, a minimum interest guarantee for the life of your contract, and retirement income options that can be guaranteed to last a lifetime, it's easy to see how a tax-deferred annuity can help bring safety and stability to any retirement portfolio.

We look forward to helping you plan for tomorrow by offering guarantees and competitive rates today.

Schedule a no-obligation consultation
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