We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more
10 Best
Life Insurance
of 2025

EDITOR'S PICK

VIEW RATES

EDITOR'S PICK

VIEW RATES

EDITOR'S PICK

VIEW RATES
View 10 Best
Life Insurance 
  1. Home
  2. Life Insurance
  3. AAA Life Review

AAA Life Insurance Company Review


ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent)
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
AAA Life Insurance Company is headquartered in Livonia, Michigan and offers whole and term life insurance and annuity products. The company has been in business for over 50 years and is affiliated with--but separate from--the American Automobile Association.
 
View Top 10 List

How is AAA Life rated?

Breakdown

4.5/5
Company Stability
4.5/5
Reputation
4.5/5
Policies & Coverage

Overall Rating: 4.5 / 5 (Excellent)

AAA Life Insurance Company, a part of the AAA organization, has been providing life insurance and annuity products since 1969.

With over 50 years of experience in the industry and a solid financial reputation, AAA Life offers a solid selection of whole and term life insurance plans that are more affordable than those offered by many of its competitors.

Financial Strength

Key Details

Underwriter
AAA Life Insurance Company
AM Best Financial Rating
A

Company Stability - 4.5 / 5

AAA Life has been in business for over 50 years, which suggests that the company has been well-managed throughout a variety of economic circumstances. The company has held an excellent ratint with A.M. Best.
*The above information reflects the market share, premiums, and financial strength of the issuer of the AAA Life life insurance policies: AAA Life Insurance Company.

Reputation & Customer Experience

Customer Ratings

BBB Rating
A+
Number of BBB Negative Reviews
1
Date Collected
2020-03-04

Reputation - 4.5 / 5

AAA Life Insurance company holds a Better Business Bureau rating of A+ and has received mostly positive customer ratings across a number of independent consumer review sites. The company has a below-average customer complaint volume on the Better Business Bureau website and has taken the time to address each one according to BBB guidelines.

As suggested by its historically lower than average NAIC complaint ratio, the organization's commitment to customer satisfaction is stronger than most other institutions we evaluate.

AAA Life Policies

AAA Life offers customers the following life insurance policies: Term, Whole Life, Universal Life.

Term Life Insurance

Minimum Age
18
Maximum Age
75
Minimum Death Benefit
$100,000
Maximum Death Benefit
$5,000,000
Available Terms
10 year
15 year
20 year
25 year
30 year

Key Term Policy Features

  • Waiver of Premium
  • Return of Premium

Policies & Coverage - 4.5 / 5

AAA Life offers an excellent variety of term, whole, and universal life insurance policies, as well as accident insurance and annuities.

With multiple options within each product category and everything from fast to comprehensive coverages with convenient in-home medical exams, AAA Life is a solid contender among top life insurance carriers.

Their term life insurance policies provide up to $5 million in coverage and may be customized with additional riders such as child term life, disability waiver of premium, and travel accident insurance.

Flexibility and Available Riders

Available Term Life Riders

  • Child Protection Rider
  • Accidental Death Benefit Rider

Flexibility & Available Riders - 4 / 5

Additional Company Information

Homepage URL
https://www.aaalife.com/
Company Phone
(800) 684-4222
Headquarters Address
17900 N Laurel Park Dr, Livonia, MI, 48152
Year Founded
1969

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for AAA Life Insurance Company
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

Customer Comments & Reviews

Loading Reviews ...
Connie G
8/5/2019
I HAD TWO policies with aaa, one term life which when i got it they said expired when i was 70 so i paid it faithfully for fifteen years, but instead of seventy it quit when i was 68, without warning..turned out it was a fifteen year policy not till i was 70, then i had a smaller one for car accidents and airplane accidents, then UNKNOWN TO MEEEE they changed the policy and added bodily injury from just getting hurt...they sent me a letter, and the second paragraph down it said they had added it, but i thought it was just a policy number letter so i kept it and have had it on my fridge, they never wrote across the envelope saying check inside your policy has been updated!!! something like... Read More

Top Rated
Our Partner
  • The only 100% no medical exam term life insurance
  • Ages 18 to 60 are eligible to apply
  • Term life policies $50,000-$1.5 million in coverage
  • Company offers 10, 15, 20, 25, and 30-year terms
  • Monthly premiums as low as $10
  • Featured in WSJ, CNN, Forbes, TechCrunch & Money.com
READ FULL REVIEW >
VIEW RATES

Related to Life Insurance

Top Articles
Suggested Comparisons