How Much Does Life Insurance by AAA Life Cost?
AAA is a “household name”— one of the most recognizable brands, in the insurance industry. But brandname recognition, does NOT mean lower costs or cheaper prices. If you are considering buying life insurance from AAA, you should keep shopping around. There are much better prices out there!
The sample quotes and policy details in this review are from the AAA website. Your exact cost will vary and will depend on your age, how healthy your are, as well as other underwriting criteria required by AAA.
Check out our full Review of AAA Life Insurance:
Do you have first-hand experience with AAA Life Insurance? We’d like to hear about it…
AAA Life Insurance Pricing and Fees
AAA is not aggressive in their pricing. Their term, guaranteed issue whole life & universal life prices are high compared to other leading carriers. There are no extra fees when you buy life insurance from AAA. You don’t need to be a AAA member to buy.
HOW MUCH DOES AAA TERM LIFE INSURANCE COST?
The cost of AAA term life insurance is expensive. Other leading carriers cost less than AAA.
QUICK VIEW
- Product Name: Express | Traditional
- Policy Face Amount: Express $25,000 – $500,000 | Traditional $100,000 to $5,000,000+
- Issue Ages: 18 – 75 Express & Traditional
- Level Period: 10, 15, 20, & 30 Express & Traditional
AAA TERM LIFE INSURANCE ADDITIONAL RIDERS
- Accelerated Death Benefit Rider
- Child Rider
- Disability Wavier of Premium
- Return of Premium
Pros and Cons of AAA Term Life Insurance
Pros
Easy to purchase – you do not need to be a AAA member
Cons
Expensive compared to the competition
AAA TERM LIFE INSURANCE SAMPLE MONTHLY QUOTES
Quotes assume the best underwriting class available. Your actual prices may be different.
AAA Express Term Life Insurance
AAA Express Term Life Insurance – 20 Year Term Life Insurance – Sample Monthly Quotes – Age 30
| Coverage | Male | Female |
|---|---|---|
| $250,000 | $20.24 | $18.48 |
| $500,000 | $30.36 | $26.40 |
AAA Express Term Life Insurance – 20 Year Term Life Insurance – Sample Monthly Quotes – Age 40
| Coverage | Male | Female |
|---|---|---|
| $250,000 | $32.12 | $28.82 |
| $500,000 | $50.16 | $44.00 |
AAA Express Term Life Insurance – 20 Year Term Life Insurance – Sample Monthly Quotes – Age 50
| Coverage | Male | Female |
|---|---|---|
| $250,000 | $70.40 | $55.00 |
| $500,000 | $123.20 | $92.84 |
AAA Express Term Life Insurance – 20 Year Term Life Insurance – Sample Monthly Quotes – Age 60
| Coverage | Male | Female |
|---|---|---|
| $250,000 | $204.82 | $142.78 |
| $500,000 | $366.96 | $251.24 |
AAA Traditional Term Life Insurance
AAA Traditional Term Life Insurance – 20 Year Term Life Insurance – Sample Monthly Quotes – Age 30
| Coverage | Male | Female |
|---|---|---|
| $250,000 | $16.94 | $15.40 |
| $500,000 | $25.96 | $22.44 |
AAA Traditional Term Life Insurance – 20 Year Term Life Insurance – Sample Monthly Quotes – Age 40
| Coverage | Male | Female |
|---|---|---|
| $250,000 | $23.98 | $21.12 |
| $500,000 | $38.28 | $33.00 |
AAA Traditional Term Life Insurance – 20 Year Term Life Insurance – Sample Monthly Quotes – Age 50
| Coverage | Male | Female |
|---|---|---|
| $250,000 | $54.56 | $42.02 |
| $500,000 | $101.64 | $75.68 |
AAA Traditional Term Life Insurance – 20 Year Term Life Insurance – Sample Monthly Quotes – Age 60
| Coverage | Male | Female |
|---|---|---|
| $250,000 | $140.80 | $97.68 |
| $500,000 | $271.04 | $184.80 |
WHAT IS THE COST OF AAA GUARANTEED ISSUE WHOLE LIFE INSURANCE?
The cost of AAA guaranteed issue whole life insurance is average compared to other leading carriers in the market. You can find other similar policies for less cost if you shop around.
QUICK VIEW
- Product Name: Guaranteed Issue Whole Life Insurance
- Policy Face Amount: $5,000 – $25,000
- Issue Ages: 45-85
- Level Period: Graded Benefit – Lifetime coverage with limitations if you die in the first two years.
AAA GUARANTEED ISSUE WHOLE LIFE ADDITIONAL RIDERS
- Travel Accident Endorsement that doubles the death benefit
- Lifetime Membership benefit after the second year of the policy.
Pros and Cons of AAA Guaranteed Whole Life Insurance
Pros
No health questions or medical exams
Get guaranteed coverage right away
Cons
Graded Benefit –
Limitations of the death benefit, if you die in the first 2 years.
AAA GUARANTEED ISSUE WHOLE LIFE SAMPLE MONTHLY QUOTES
AAA Guaranteed Issue Whole Life Insurance – Sample Monthly Quotes – Age 45
| Coverage | Male | Female |
|---|---|---|
| $10,000 | $59 | $47 |
| $25,000 | $128 | $94 |
AAA Guaranteed Issue Whole Life Insurance – Sample Monthly Quotes – Age 55
| Coverage | Male | Female |
|---|---|---|
| $10,000 | $59 | $49 |
| $25,000 | $128 | $94 |
AAA Guaranteed Issue Whole Life Insurance – Sample Monthly Quotes – Age 65
| Coverage | Male | Female |
|---|---|---|
| $10,000 | $74 | $56 |
| $25,000 | $169 | $129 |
AAA Guaranteed Issue Whole Life Insurance – Sample Monthly Quotes – Age 75
| Coverage | Male | Female |
|---|---|---|
| $10,000 | $116 | $103 |
| $25,000 | $281 | $229 |
WHAT IS THE PRICE FOR AAA UNIVERSAL LIFE INSURANCE?
The price of AAA’s guaranteed universal life is not as competitive as other leading carriers.
QUICK VIEW
- Product Name: Lifetime Universal Life & Accumulator Universal Life
- Policy Face Amount: $100,000 to $5,000,000+
- Issue Ages: 15 days to 80 years old.
- Level Period: Lifetime coverage
AAA UNIVERSAL LIFE ADDITIONAL RIDERS
- Accelerated Death Benefit
- Child Term Rider
- Wavier of Monthly Deductions
- Accidental Death
- Guaranteed Increase Option
- Travel Accident
Pros and Cons of AAA Universal Life Insurance
Pros
Lifetime coverage backed by a highly rated company
Cons
Expensive compared to other leading carriers.
The Bottom Line
AAA is a “household name”— one of the most recognizable brands, in the insurance industry. But brandname recognition, does NOT mean lower costs or cheaper prices. If you are considering buying life insurance from AAA, you should keep shopping around. There are much better prices out there!
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