Let us help you assess
your life insurance needs.

Why get life insurance with AAA?

AAA takes the time to get to know you and your financial needs, so that we can recommend the right life insurance coverage options for you.

Let us help you get the right protection at the best price.



The amount of coverage you need depends on your financial situation. Based on factors such as mortgage balance, income replacement, and outstanding debts, AAA’s Life Insurance Needs Estimator can help you find out.

Download the AAA Life Insurance Needs Estimator

Talk to an agent to make sure that you get the right protection with the best possible value.

AAA can help you better understand your coverage options so that you get the right protection with the best possible value.

Term Insurance Generally the most affordable type of life insurance, term policies
provide protection for a specific period of time (“term”), typically
10, 15, 20, or 30 years. Premiums are paid during that term, and
if a death occurs during the term, the beneficiary will receive
the amount of the death benefit.
Permanent Insurance Permanent insurance is designed to provide coverage for a
lifetime, or a person’s "whole life." Universal Life can also be
permanent life insurance. Premiums are paid for a set amount
of time, sometimes for life. The policy has the ability to
accumulate "cash value" (sometimes referred to as "living
benefits") on a tax-deferred basis. Cash value typically can
be borrowed or partially withdrawn, or in the case of the policy
being surrendered, the cash value would be paid out as a "cash
surrender value."
Long-Term Care Insurance Long-Term Care Insurance provides benefits to pay for services
needed by people who require assistance to perform essential
activities of daily living due to an accident, illness, or frailty.
These services can be provided at home, at an assisted living
facility, adult day care facility, or in a nursing home.
Annuities Annuities are contracts issued by an insurance company that
can grow assets on a tax-deferred basis and then provide a
guaranteed stream of income at regular intervals or a lump
sum payout.

Talk to an agent to make sure that you get the right protection with the best possible value.

AAA Member Blog

 

 

FAQs

Why do I need life insurance coverage?

Life insurance is intended to provide financial security for your loved ones in the event of your passing. Trust AAA to guide you in the process of selecting the right coverage to protect your family.

How much coverage do I need?

AAA Life Insurance helps ensure that your family is protected financially in your absence. The amount of coverage you need can vary. It is important to consider a wide range of factors that may or may not apply to your situation. Here are some examples:

What type of life insurance coverage do I need?

AAA offers a wide range of life insurance products. Each individual situation is different. You should plan to spend some time meeting with one of AAA’s licensed agents to review your needs.