Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Choosing your life insurance policy is one of the most important choices you’ll ever have to make. You’ll need to find the right policy that will cover you for the proper amount of time and leave enough for your loved ones.

And since you have dozens of options, choosing the right life insurance company is a hassle. Life is stressful enough, choosing your life insurance should be easier.

One of the most popular options out there is AAA life insurance. Their website advertises plans starting at just $8 a month, but is that enough? And are you really getting your money’s worth?

Read on to learn more about AAA life insurance and see if it’s a good fit for your family.

Looking to compare life insurance prices? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Pros to AAA Life Insurance

You May Be Able to Sign Up For a Policy Without a Medical Exam

It’s understandable that you’re looking for a life insurance policy that can be enacted quickly, and with as little effort as possible. If that’s the case, AAA is perhaps the best bet for your needs.

One of the best things about AAA Life Insurance is that a medical exam may be necessary. An exam is often little more than a bill of health to your insurance company.

It’s worth noting that AAA isn’t the only insurance company to offer a no medical exam application option. Be sure to shop around beforehand to see if there’s a company that better fits your needs.

There are Plenty of Options for Every Lifestyle

One of the toughest things about picking a quality life insurance policy is finding the money to pay for it. You’ve already got tons of bills, a mortgage, and other expenses to worry about.

AAA offers two primary options for terms.

First, there’s an ExpressTerm option. You can sign up for up to 30 years and $250,000 in coverage in just a few minutes. All you have to do is fill out a few basic questions about your health, and you’ll be good to go.

Next, there’s a Traditional Term option. In contrast to the ExpressTerm, this is your standard life insurance policy. It’s professionally underwritten, and you can secure more than $5,000,000 in coverage if needed.

AAA Life Insurance Has an A- Rating From the AM Best Company

Obviously, you’ll want to choose a life insurance company that you can trust. After all, you’re going to spend a fair bit of money on your policy throughout the years.
That’s why you’ll need to do your research beforehand. Thankfully, AM Best Company has you covered.

If you’re unfamiliar with the AM Best Company, they’re like a financial equal to the Better Business Bureau. Instead of ranking a business’s practices and ethics, they focus on financial stability.

Currently, their evaluation of AAA Life Insurance suggests that the business is stable. That means you can feel good about purchasing a policy.

You Can Open a Policy As Young As 18

Generally, the older you are, the less you’ll pay for life insurance. But with old age comes more health problems. As you can likely imagine, the more health problems one has, the higher the chances of a denial of coverage.

To avoid this, you can start a policy as early as 18-years-old to get coverage for decades.

AAA Life Insurance Features a Terminal Illness Rider

This is, perhaps, a bit morbid, but you should always look at riders before signing a contract. A rider is essentially a part of your contract that gives you certain perks.

AAA’s insurance policies allow for what’s known as a Terminal Illness Rider. This means that you can take up to 50% of your life insurance benefits in the instance of a terminal illness.

These additional funds can make paying for difficult medical costs far easier.

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Cons of AAA Life Insurance

Customer Reviews are Overwhelmingly Negative

Unfortunately, it seems as though AAA Life Insurance isn’t highly rated among customers. While online reviews tend to draw the most vocal customers, it’s important to take these reviews under consideration.

On, for example, the company currently holds a 2.8 out of 5. As recent as January of this year, customers have cited poor customer service.

Additional complaints include poor communication and denial of coverage.

Term Life Policies Aren’t the Cheapest

As you peruse the internet for the best insurance quotes, you’ll want to keep track of various pricing structures. You’ll immediately notice that for AAA’s Term Life policy isn’t as cheap as some of its competitors.

Be vigilant and do your research. It can save you a lot of time and frustration in the long run.

Payments May Take a While to Process

This was another one of the most common complaints amongst customers. It seems that it was taking far longer than needed to receive reimbursement.

While there are a variety of reasons this could occur, you’ll still need your money ASAP in case of an emergency.

You May Only Get a Partial Refund Upon Cancellation

If you’re unhappy with your coverage, it’s understandable that you’ll want a refund. It seems that AAA only offers a partial refund upon cancellation.

Make sure to read the fine print of your contract before signing anything to avoid any surprises.

You’ll Need to Remain Diligent After Cancellation

Some users have reported that AAA continued to charge them even after cancellation.

When you’re in the middle of switching companies, the last thing you need to worry about is an extra charge. Be sure to watch for any additional charges once you’ve canceled your policy.

Find the Best Life Insurance Policy on Your Time

Whether you trust AAA comes down to one key factor: reviews. You’ve got a difficult choice to make — financial stability or consumer reviews.

There’s a lot to consider here, so be sure to do as much research as possible before signing any documents.

Whether you’re unfamiliar with life insurance policies, or just want a change, we can help. Be sure to use our helpful list of resources to find the best life insurance prices around.

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