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What Is Life Insurance?

Life insurance is an agreement between you and the insurance company; you pay a specific amount or premium to the insurance company who then promises to pay an agreed-upon amount to the person (beneficiary or beneficiaries) of your choosing should you pass away. It is there to give you added peace of mind and help protect the people most important to you.
Why Do You Need It?

Life insurance is a great way to help protect those who matter most to you. Should you pass away unexpectedly, it may cover a loss of income and help your family pay for things like funeral costs, medical bills, mortgage payments or existing debt.
Types Of Insurance Coverage

Life insurance generally falls into two categories: temporary or “term,” which lasts for a specific number of years; or permanent, which will last your lifetime if premiums are paid.

Types of permanent insurance include whole life, universal life, and guaranteed issue whole life (GIWL) insurance.

Term Insurance

Term life insurance provides competitive coverage for a set length of time or “term,” typically between 10 – 30 years. Term life is flexible in both policy length and amount of coverage, so it is a great way to help protect the future of those most important to you.

AAA members can receive a 10% discount on their term life insurance premiums.

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Permanent Insurance

Permanent Insurance can provide lifelong coverage while building cash value over time if premiums are paid.

Whole Life Insurance +

Whole Life Insurance provides straightforward, lifelong coverage that can help you lay the foundation for added long-term financial security. The policy builds cash value over time and once locked in, your premiums never increase. It’s smart, simple, and reliable life insurance for you, your family and your future.

Universal Life Insurance +

A Universal Life Insurance policy from AAA Life Insurance Company is designed for flexibility. These policies can last a lifetime, and with options offering level or flexible premiums, cash value accumulation features and the ability to leave an inheritance, you can feel confident knowing you’re helping to provide for your family today and in the future.

Guaranteed Issue Whole Life +

Guaranteed Issue Whole Life (GIWL)*, also referred to as final expense coverage, can provide a policy worth up to $25,000 with rates that never change once your policy is issued. Typically, AAA offers guaranteed acceptance to those between the ages of 50-85 after a quick and easy application process — with no medical exams or health questions needed.

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^{*The policy contains a modified benefit clause, which means if you suffer a covered accidental death, you get the full amount of your coverage. But if you suffer a non accidental death within the first two years of coverage, your beneficiaries get 100% of the premiums paid, plus 30%. After two years, the full Benefit Amount is paid for death due to any cause.}

^{AAA Life Insurance Company is licensed in all states except NY. Life Insurance underwritten by AAA Life Insurance Company, Livonia, MI. Products and features vary by state.}

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