AAA Life Insurance Company Review

17250 Newburgh Road
Livonia, MI 48152
(734) 779-2085
www.aaalife.com
About AAA Insurance Company
AAA Life Insurance Company offers a variety of quality insurance products designed to fit every need and every budget.
All of our individual life insurance and annuity products are available to both AAA members and non-members.
However, you must be a AAA member to purchase our “365” Travel Accident Insurance.
We invite you to take a closer look and find out why both AAA members and non-members have trusted AAA Life Insurance Company for more than 30 years.
AAA Life Insurance Company History
AAA life insurance company is most associated with car insurance options in the mind of the consumers.
The life insurance side of the business is often overlooked. AAA Life Insurance Company has more than 60 years in the business originally founded in 1965. AAA used the success they experienced in the auto insurance industry to branch out and make an impact in the life insurance industry.
Currently, AAA offers life insurance products across the Nation and is available in all 50 U.S. States.
As of 2019, AAA has more than 1.2 million life insurance policies in force and currently is known for its affordable coverage and wide range of products offered.
AAA Life Insurance Financial & BBB Ratings
Like we stated previously, AAA is currently resting on over 1 million life insurance policyholders.
This is part of the reason that AAA Life has been able to pull in an A- rating from A.M. Best which is tasked with measuring the financial strength of insurance companies across the globe.
While an A- rating isn’t the best that a company can be handed down, it’s certainly nothing to worry about either.
AAA also boasts a strong A+ rating from the BBB.
This goes to show that the complaints don’t come in too frequently and AAA is quick to resolve these matters when the complaints do occur.
Life Insurance Products Offered with AAA
AAA currently offers three primary forms of life insurance.
Here is a quick look at them.
- Traditional Term Life Insurance
- Express Term Life Insurance
- Return of Premium Term Life Insurance
AAA Traditional Term Life Insurance
Traditional term life insurance is no different than the term life insurance you will find with nearly all life insurance companies.
It typically is offered in durations such as 10-year, 20-year, and 30 years and designed to protect you during those time frames only in exchange for a monthly premium.
With AAA you can also enjoy affordable premiums and a wide range of available riders that can make your policy even more robust.
Return of Premium Term Life Insurance from AAA
ROP Term Life with AAA is going to act like traditional term life insurance.
Only this time, at the end of the policy duration, you will be afforded 100% of your money back.
However, you will not be afforded any interest earned.
Currently, this policy is only offered in durations of 15 and 30 years and permitted in face amounts of 100,000 and up to 10,000,000.
Express Term Life Insurance with AAA
Express Term Life insurance with AAA is your opportunity to complete the entire buying process online with AAA.
It’s quite innovative, time-saving and will require no medical exam.
It’s only available in coverage amounts up to $250,000.00.
It also will not be the best option if you currently suffer from medical conditions that could require the expertise of an agent to gain approvals.
However, it’s certainly a great product and not many other life insurance companies are currently offering this option to consumers.
Compare AAA Life Insurance with Better Options
AAA life insurance is certainly a good company to work with.
I don’t think anyone would claim they are not.
With a wide range of options to select, no exam options and a strong name in the industry, they should certainly be considered.
However, as always, we do recommend comparing rates with other life insurance companies to ensure you are getting the lowest possible price.
Without a review of AAA life insurance against other policies, you might not get the best life insurance rates you can.

As principal licensed life insurance agent Bennett Bier has helped 1000’s of people purchase life insurance online & over the phone. During his career he has become the go to expert for securing hard to place term and permanent life insurance policies for clients across the nation. With his wealth of knowledge of each life insurance carrier’s products and underwriting he provides honest answers and advice to every client. Bennett Bier and his team will work tirelessly to successfully secure the coverage your family deserves.
All content on this site has been written by life insurance experts & licensed life insurance agents.