Male
$44 /month
Female
$28 /month
AAA sells its life insurance policies to members and non-members alike, but discounts are available only to members.
Rating Breakdown
Financial strength rating
Strong
Online purchase
No
NAIC complaints
Far more than expected
Policies offered
Term & permanent
A good fit for AAA members who want discounts for bundling different types of insurance.
Choose an insurer from our list of the best whole life insurance if you’re looking for higher amounts of lifelong coverage.
About AAA life insurance
The company offers term, whole, no-exam and universal life insurance, but draws a high volume of complaints. You don’t have to be an AAA member to buy life insurance from the company, but there are some discounts for those who are.
AAA earned 3.8 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
» MORE: Best life insurance companies
Where AAA life insurance stands out
Although AAA is a group of motor clubs best known for emergency roadside assistance and travel services, you don't have to be a member to buy AAA life insurance. The discounts members get on some policies can be particularly appealing. AAA also offers several no-exam life insurance policies to those who qualify.
Where AAA life insurance falls short
While AAA does offer some whole life insurance policies without a medical exam, the modest amounts may not meet your needs. AAA also draws a large number of complaints to state regulators.
AAA life insurance policies
Term life insurance. AAA offers two types of term life insurance, both of which are available in 10-, 15-, 20- and 30-year terms. Members save 10% on premiums.
Traditional term life insurance. You’ll need to answer health questions and agree to a possible life insurance medical exam to qualify. Coverage amounts range from $50,000 to $3.5 million depending on your age, and you can customize your coverage with waiver of premium, child term or return of premium riders. AAA members may be able to get discounts on their home or auto insurance by bundling with traditional term life.
Whole life insurance. These whole life insurance policies provide lifelong coverage and build cash value over time.
Traditional whole life insurance. You’ll need to work with an agent to apply for this policy. Coverage ranges from $5,000 to $75,000, though you may need to take a medical exam if you want $30,000 or more. An AAA membership will get you 10% off the base premium.
Guaranteed issue life insurance. AAA offers $3,000 to $25,000 of guaranteed issue life insurance, which doesn’t require a questionnaire or medical exam. Applicants ages 45 to 85 qualify automatically, and AAA members and their spouses are eligible for a $60 annual discount on premiums.
Universal life insurance. Coverage amounts range from $100,000 to more than $5 million. AAA offers two types of universal life insurance: LifeTime and Accumulator. The Accumulator product is geared toward people who may want to use the cash value later to supplement retirement or cover other expenses, such as their children’s college education. The LifeTime product features more guarantees, like fixed premiums.
AAA sample life insurance rates
Below are monthly rates for a 20-year, $500,000 term life insurance policy from AAA. These are sample rates for a nonsmoking man and woman in excellent health — the final quote you’re offered will depend on factors like your age, health, lifestyle, occupation and driving record.
AAA non-member rates
Age | Monthly rate - man | Monthly rate - woman |
|---|---|---|
20 | $33.88 | $21.12 |
30 | $35.20 | $22 |
40 | $49.28 | $30.80 |
50 | $120.12 | $71.28 |
60 | $317.24 | $180.84 |
Source: Insurer's site. Rates reflect the super preferred class and were generated on 10/21/25. | ||
AAA member rates
Age | Monthly rate - man | Monthly rate - woman |
|---|---|---|
20 | $30.49 | $19.01 |
30 | $31.68 | $19.80 |
40 | $44.35 | $27.72 |
50 | $108.11 | $64.15 |
60 | $285.51 | $162.75 |
Source: Insurer's site. Rates reflect the super preferred class and were generated on 10/21/25. | ||
AAA customer complaints and satisfaction
A strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Over three years, AAA has drawn far more than the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.
- What Reddit users say about AAA life insurance
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like life insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Reddit users tend to discuss AAA auto insurance a lot more than AAA life insurance, but overall, the reviews on life insurance policies are mixed. Some Reddit users complained that they’ve received life insurance marketing materials from AAA disguised as a bill. Other users report being confused by the language in AAA’s quotes or policy documents.
How AAA’s customer experience stacks up
AAA’s site is easy to navigate, with pages devoted to each type of life insurance the company offers. The site has a Life Insurance 101 section where you can get basic information, and phone numbers appear at the top of each page in case you want to speak with a representative.
When we called the company, we were connected with a licensed AAA agent who was able to explain the available riders but couldn’t give a firm answer on the maximum amount of term coverage available.
We also tried the live chat feature, but we weren’t able to get answers to our questions without providing personal information, like our phone number.
AAA has a life insurance app for Apple and Android devices, but reviews are mixed. Several Apple users report being unable to use the app at all. AAA also doesn’t support changing beneficiaries online. Instead you’ll have to download and fill out a form, then email or fax it to the company.
What it’s like to apply for a policy with AAA
You can start a quote for term life insurance from the AAA homepage by entering a few basic details, including your ZIP code, gender, birthdate and email.
The next screen requests your height and weight, asks whether you’ve used nicotine and has you rate your health on a scale of “fair” to “excellent.” You’ll also specify the coverage amount and term length you want. Finally, you’ll have to enter your name, phone number and email address.
At this point you’ll see your quote, which you can adjust by toggling the coverage amounts and term limits. However, you can’t buy a policy. Instead, an agent will reach out to help you finalize your coverage.
Screenshot captured by our editorial team on October 21, 2025.
While you’ll have to speak with an agent to buy a term policy, AAA offers its guaranteed issue whole life policies for purchase online. Start by visiting the whole life insurance page of the website or clicking on “Buy now” from the homepage. From there, you’ll type in your ZIP code, gender, birthdate and AAA membership status.
On the next screen, you’ll see monthly premiums for various coverage amounts. Once you’ve selected the amount you want, you’ll be directed through the application process.
Screenshot captured by our editorial team on October 21, 2025.
How AAA life insurance compares to other insurers
AAA | Farmers | TruStage | |
|---|---|---|---|
Star rating | |||
Financial strength | Strong. | Strong. | Strong. |
NAIC complaints | Far more than expected. | Close to expected. | More than expected. |
Policy types offered | Term, permanent. | Term, permanent. | Term, permanent, no-exam. |
Online experience | Can apply for and buy policies online, as well as file a claim. | Can apply for and buy policies online, as well as file a claim. | Can apply for and buy policies online, as well as change beneficiaries and file a claim. |
Transparency on website | Above average. | Above average. | Average. |
Read full reviews |
More about AAA
AAA Life Insurance Company, founded in 1969, also sells accident insurance to AAA members only, and the amount of coverage you can get depends on how long you’ve been a member. The policy covers injuries and death caused by accidents such as falling off a roof. It doesn’t cover accidents caused by extreme sports, acts of war or self-inflicted injuries like suicide or drunk driving.
AAA offers three annuity options, two with $3,000 minimum deposits and one requiring $10,000 upfront. If you’re considering an annuity, you should talk to a fee-only financial advisor to find the right option for your retirement needs.
Other AAA products include:
Boat insurance.
Flood insurance.
Motorcycle insurance.
RV insurance.
How to contact AAA life insurance
AAA’s life insurance department can be reached by:
Phone: If you have a policy with AAA, you can call 855-598-0890 on weekdays from 8 a.m. to 8 p.m. ET and Saturdays from 11 a.m. to 3 p.m. ET. Otherwise, call 888-422-7020 Monday through Thursday from 8 a.m. to 10 p.m. ET, Fridays from 8 a.m. to 8 p.m. ET and Saturdays from 9 a.m. to 3 p.m. ET.
Email: Send a message to membersvc@aaalife.com. For questions about filing a claim, contact claimssvc@aaalife.com.
Live chat: Chat with a customer service representative on weekdays from 8 a.m. to 8 p.m. ET and Saturdays from 11 a.m. to 3 p.m. ET.
Frequently asked questions
Will you need to get a medical exam to get life insurance through AAA?
Will you need to get a medical exam to get life insurance through AAA?
Many carriers, including AAA, offer something called simplified issue life insurance, which offers an expedited application process that bypasses the standard life insurance medical exam. Approval is typically based on a questionnaire about your health and lifestyle, as well as third-party reports like your prescription drug history and driving records.
However, you may not qualify if you have certain health issues. In that case, AAA will ask you to go through the typical underwriting process, which often includes an exam.
Is AAA life insurance worth it?
Is AAA life insurance worth it?
You may not need life insurance from AAA or any other insurer if you don’t have anyone who depends on you financially, like children or a spouse. But even if you don’t have financial dependents, buying life insurance could make sense in some circumstances such as providing for burial costs or paying off debt.
Life insurance from AAA may be a good fit for those who are already members and might be eligible for additional discounts for bundling life insurance with home and auto insurance.
Can you buy AAA life insurance if you're not a member?
Can you buy AAA life insurance if you're not a member?
Yes. AAA life insurance is available to both members and non-members, but members may be eligible for more discounts. For instance, members receive 10% off the cost of premiums for AAA’s term life insurance policies.
How we rate the best life insurance companies
✅ 445 life insurers reviewed
📝 210 policies assessed
🔢 1,515 data points analyzed
📊 Star rating categories
When NerdWallet evaluates life insurance companies, our editorial team considers the insurer's strengths and weaknesses, as well as the things that matter most to customers buying a long-term financial product. We then weigh these factors carefully:
💰 Financial strength (35%). We use AM Best ratings to confirm an insurer’s financial stability and ability to pay claims far into the future. The top life insurance companies have an exceptional financial strength rating of A+ or A++ (Superior).
🗣️ Consumer complaints (35%). Our top-rated life insurance companies have fewer than the expected number of complaints to state regulators over a three-year period, according to the National Association of Insurance Commissioners — so you can expect a smoother customer experience.
☎️ Consumer experience (20%). Insurers who allow consumers to contact them by email, phone and live chat earn the highest scores. The same goes for insurers who support online quotes, beneficiary changes and claims.
👀 Transparency (10%). Our methodology gives higher scores to transparent insurers who clearly display information about their policy options, coverage amounts and term lengths (if applicable) on their site.
⭐ What our star ratings mean
Companies with 5 stars are exceptional, with strong financials, diverse policy lineups and great reputations for customer service.
Companies with 4.5 stars are excellent, with solid financials and policy offerings, and good customer service track records.
Companies with 4.0 stars are good, and potentially great for people looking for niche coverage options.
Companies with 3.5 stars or fewer could do better in certain categories, like financial strength and customer complaints.
NerdWallet does not receive compensation for our star ratings or our reviews. Read more about our life insurance ratings methodology and editorial guidelines.
