Traditional Term Life Insurance

Traditional Term Life Insurance offers valuable coverage that you can purchase with the help of an agent. Term lengths: 10, 15, 20, and 30 years Guaranteed level payments throughout term period Our most affordable coverage (a simple health screening may be required) Premiums starting near $8 a month* Coverage ranges from $50,000 to $5 million+ Work with a AAA Life Insurance Professional to help advise your purchase

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. Apply with an Agent today Benefits from $30,000 to $75,000 Price never changes once locked in A simple health screening may be required

How do I calculate my need analysis for life insurance?

A life insurance needs analysis calculates how much coverage your family would need to maintain their lifestyle if you passed away. To determine this, total your financial obligations, including debts, income replacement, and future costs (such as college tuition). Then subtract any savings, investments, or existing life insurance. The resulting amount is the coverage you should consider.

What is term life insurance?

Term life insurance provides coverage for a set period—usually anywhere from 10 to 30 years—and pays a death benefit if you pass away during that time. It’s ideal for protecting your family’s income and covering major expenses like your mortgage.

Do I need life insurance coverage on my spouse and/or children?

It’s wise to have life insurance for a spouse or children if their loss could create financial strain, such as lost income or childcare costs. Even a basic policy can help cover immediate expenses and provide financial stability during a difficult time.

What are the advantages of term life insurance?

The main advantage of term life insurance is its affordability. Because it provides coverage for a designated period and doesn’t build cash value over time, it’s typically cheaper than whole life insurance. It’s also simple to understand—you select a coverage amount and term length, and you typically pay a fixed premium for the length of the term.

What is whole life insurance?

Whole life insurance provides lifelong coverage and includes a cash value component that increases over time. It’s usually more expensive than term life insurance, but it offers guaranteed benefits (regardless of when you die) and can serve as a long-term financial asset.

Do I need life insurance if I have it through my employer?

Employer-provided life insurance is often limited to one or two times your annual salary and may not cover all your family’s needs. Having your own policy also ensures continuous, adequate coverage even if you change employers.

Life Insurance Quotes | AAA Club Alliance

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* Rates indicated are for a $100,000, 10-year term, female, age 35, excellent health, non-nicotine user, automatic monthly payment.Insurance Agents do not provide legal or tax advice. Therefore, you may wish to seek independent legal, tax or financial advice prior to the purchase of any contract stated by the policy.Premiums are guaranteed. They are level for the term period and increase annually thereafter. Any premiums above are examples only and may vary based on your personal health history and underwriting guidelines. The answers provided to the health questions are used to determine eligibility for coverage. Not all applicants will qualify. Product and its features may not be available in all states. Coverage ends at age 95.Traditional Term Policy Form Series: ICC19-1801/1801 (In OR: ICC19-1801)ExpressTerm Policy Form Series: ICC19-1601/1601 (In OR: ICC19-1601)Whole Life Insurance Policy Form Series: ICC18-5601& 5601 (In OR: ICC18-5601)This is a summary of insurance provisions and does not contain all of the benefits and exclusions. For complete terms of the insurance coverage, please contact your insurance professional or refer to the policy.Life insurance underwritten by AAA Life Insurance Company, Livonia, Michigan. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861. Products and their features may not be available in all states. © 2024 All Rights Reserved.

Insurance coverage is not included in the price of membership. Participants in insurance programs incur separate costs for insurance.

Insurance products sold through ACA Club Insurance Agency, Inc. are underwritten by various insurance providers including CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting guidelines and applicable laws. Applicants may not qualify for all coverages, benefits and discounts. Discounts vary by state and are subject to eligibility requirements. Insurance coverage is not included in the price of membership. Participants in insurance programs incur separate costs for insurance. Life Insurance underwritten by AAA Life Insurance Company, Livonia, Michigan. AAA Life Insurance is licensed in all states except NY. CA Certificate of Authority #07681. Product and its features may not be available in all states. © 2025 AAA Club Alliance, Inc.

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