To ensure you receive the best service possible,
please enter your zip code below:
AAA Membership
Insurance
Travel
Banking
Discounts
Drivers Safety
AAA Connect
We're here to answer your life insurance questions and help you find the right coverage when you're ready.
Put our AAA life insurance specialists to work for you.
Life insurance can seem daunting at first. But don’t worry. A Life Specialist can help you to choose a policy that works for you and your budget. And we’re here for you as your trusted partner with answers to those nagging little questions that keep you up at night. Now, why is life insurance so important to have?
There are as many kinds of life insurance and annuities as there are reasons to have them. For instance, your most important consideration might be lifetime protection without a set term. Or affordable protection for a set period of time. Or a steady stream of income that lasts your lifetime. Each consideration points to a specific kind of life insurance, and a Life Specialist can help you find the best kind for you.
Join millions who trust AAA in their times of need because they know: Whether it’s Emergency Roadside Service or Insurance, you’re protected with AAA.
The insured is the person whose life is covered by the life insurance policy. If the insured person passes away during the policy term, the insurer pays out the death benefit to the designated beneficiaries. In most cases, the insured is also the policyholder.
The policyholder is the legal owner of the life insurance contract. They are the one who initiates the policy, pays the premiums, and has control over the policy’s terms and conditions. In many cases, the policyholder and the named insured are the same person.
The beneficiary is the person or entity that you legally designate to receive the benefits from your financial products. For life insurance coverage, that is the death benefit your policy will pay if you die.
The face value of a life insurance policy is the amount paid to your beneficiaries when you die. It represents the dollar amount of coverage provided by the policy.
Cash value refers to the portion of a permanent life insurance policy that accumulates savings over time. It is a feature found in policies like whole life and universal life insurance. Unlike term life insurance, which has no cash value, these permanent policies build up a savings component.
A life insurance rider is an addition of terms and conditions to a life insurance policy that a person can choose when they purchase their life insurance policy. These riders come at an additional cost but add benefits to the insurance coverage.
CURRENT FIRST-YEAR INTEREST RATE FOR PLATINUM BONUS ANNUITY®
Benefits of AAA Life’s Platinum Bonus Annuity include:
Ask your AAA agent about an annuity today!
You and your life insurance advisor can help choose which life insurance policy offered through AAA works best for your needs and budget:
A popular choice as it usually is the least expensive option. Term Life Insurance helps provide coverage for a specified period of time, such as while paying off a mortgage or when you have children at home. It’s also often used to help pay for housing expenses, outstanding debt, and daily living costs such as groceries and bills.
Provides coverage for a lifetime. It builds cash value over time and once locked in, your premiums never increase.
Designed for flexibility: it can last a lifetime, with options offering level or flexible premiums, cash value accumulation features, and the ability to leave an inheritance.
Annuities can provide a secure way to grow your money for retirement and help provide a steady stream of income that could last for life.
A popular choice as it usually is the least expensive option. Term Life Insurance helps provide coverage for a specified period of time, such as while paying off a mortgage or when you have children at home. It’s also often used to help pay for housing expenses, outstanding debt, and daily living costs such as groceries and bills.
Provides coverage for a lifetime. It builds cash value over time and once locked in, your premiums never increase.
Designed for flexibility: it can last a lifetime, with options offering level or flexible premiums, cash value accumulation features, and the ability to leave an inheritance.
Annuities can provide a secure way to grow your money for retirement and help provide a steady stream of income that could last for life.
The Keys to Home Ownership
Trying to buy a house in this climate is tough to do, especially on your own. Join us for a FREE webcast on March 12, 2025 at 4 p.m. ET: “Home Buying from Offer to Owner.” We’ll discuss a wide range of real estate topics we think you’ll find Well Worth It. Or watch any of our other “Well Worth It” personal finance webcasts on demand.
Pay yourself first. Because that’s the best way to help make sure you have money saved for the most important things in life, like protecting those you love.
This video breaks down the different kinds of life insurance and why you might want one over another…
Life insurance is more affordable than you may think. Take a look…
Whole life insurance provides coverage for a lifetime, and once locked in your premiums never increase. Learn more…
Employer-provided life insurance is often not enough to truly protect your legacy. See what we mean…
*Under current federal income tax law. AAA Life and its agents do not provide legal, tax, or financial advice. Please consult your professional advisor prior to the purchase of any contract.
Benefits may be taxable. Rates shown are annual effective yields. The first-year interest rate is guaranteed for first contract year only. It is separate from the minimum guarantee of 3.00% for the first 5 policy years and the minimum guarantee of 1.00% after 5 years. Interest rates are credited from the first day of receipt of funds. Annuities are not short-term products. During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of financial products and may reduce principal. Withdrawals prior to 59½ may be subject to IRS penalties, separate from the annuity’s schedule of surrender charges. For complete details of coverage and specific details of the surrender charge schedule, please refer to the contract. Products and features may vary by state. Annuities offered by AAA Life Insurance Company, Livonia, MI. AAA Life (CA Certificate of Authority #07861) is licensed in all states except NY. Automobile Club of Southern California CA License #0003259. CSAA Life Insurance Agency of California, Inc. CA License #0D12130. Insurance products in Northern California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Your local AAA club and/or its affiliates act as agents for AAA Life. Platinum Bonus Annuity Contract Form Series: ICC11-4111/DA-4111 (In OR: ICC11-4111).
ALAN-23882-324-XX
‡Offer valid through 4/30/2025. Offer valid for Classic/Basic Memberships only. Pricing valid at member join only. Offer excludes Motorcycle coverage. Payment of full AAA Membership dues is required upon renewal. Offers, terms, conditions and restrictions apply and are subject to change without notice. Not combinable with any other offer. Offer not valid in FL, GA, MI or PR. A member can add one eligible family member for free for up to one year. Additional Associates are half price. Associate memberships are available to the Primary member’s spouse, one other adult living in the household, and their children living at the same residence or away at school. Associate members must have the same type of membership as their Primary member, with the exception of Motorcycle. Associate membership expires on the renewal date of Primary member.
Upon activation and with proper identification, AAA will provide regular AAA services and full privileges for the new member. Roadside benefits begin three days after payment of dues. Some restrictions apply. Roadside assistance is provided by independent facilities contracted by AAA. Coverage in taxis, limousines and other ride-sharing conveyances is excluded. Visit AAA.com/MemberHandbook for details about member benefits, including any limitations or restrictions. Offers, terms, conditions and policies are subject to change without notice. Savings partners subject to change. Source: 2023 AAA U.S. Market Track national surveys. Includes service vehicles owned by clubs and service vehicles owned by third parties under contract with AAA to provide services to AAA members. Taxes, fees & options excluded. Terms apply. Partners and offers are subject to change and restrictions apply. For a complete list of offers, visit us online at AAA.com/Save or your local AAA office.
Pay Bill
Add A Family Member
Get Roadside Assistance
Sign Out
Classic Membership
AAA Everyday Membership
Compare Memberships
Car Maintenance 
Join AAA Now
Car Insurance
Home Insurance
Claim Services
Cars
Hotels
Cruises
Tours
Travel Insurance
Auto Loans
Deposits
Entertainment
Restaurants
Travel