AAA Life Insurance

AAA Life Insurance

 3.8/5 (104 reviews)

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Overall Rating3.8 out of 5
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About AAA Life Insurance

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    Page 1 Reviews 0 - 10
    Verified Reviewer
    Original review: Jan. 23, 2023

    AAA has refused to or do not want to meet their end of the contract. My late husband and myself had a life insurance policy with AAA and we were paying $234 a month faithfully. My husband passed last April, AAA requested so many different information and documentation, all of which was provided. To this date, AAA life insurance will not tell me what else do they need or what is the hold up for resolving my claim. I have placed numerous calls, been told a manager will call but never receive a call. I have been bounced around on the phone, not to mentioned their hold time.

    Me and my children are still mourning my husband's passing and I have to deal with this headache. We have a policy with State Farm Life insurance and I had no issue with them. I even cancelled my policy with AAA because I don't want my family to go through what I am going through if something were to happen to me. This has been a terrible experience, I just want AAA to resolve my claim and live up to their obligation.

    7 people found this review helpful
    Verified Reviewer
    Original review: Jan. 20, 2023

    My daughter and I have a life insurance policy through AAA. The premiums have been automatically taken from my bank account for over four years and now have suddenly stopped. Phone calls to/from customer service on 1/5, 1/9 and 1/10 have all stated the problem has been fixed. It is not. Emails to executives on 1/10 and 1/17 have went unanswered. I would think that an insurance company would be experts at collecting premium payments but apparently, this one is not. I have filed BBB complaint and the next step is contacting the state. This can't be that difficult. This company is a nightmare.

    6 people found this review helpful

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      Verified Reviewer
      Original review: Sept. 12, 2022

      Hello, I am writing this review based on a personal experience I had with AAA Life insurance. I canceled my life insurance after 3 years of being a customer due to a horrible experience my parents had through them. As soon as I canceled my insurance I was told I would get a check in the mail for the cash value. A month later and still no check. I have spoken to many representatives through email and phone and also today with a very rude supervisor and still got nowhere. Only answer is the check is in the mail. After a month the check is still in the crawling to the post office. Please I beg you do not go with this life insurance as they will only take your money and they are fraud.

      AAA Life Insurance response

      Dear Valued Member: AAA Life responded directly to you, in greater detail, in a letter mailed on September 15, 2022. However, we want to respond to your post as well. We value our members and aim to provide high-quality service to all of our customers. High-quality service includes processing refunds quickly. We would like to sincerely apologize for any difficulty this may have caused you. If you have questions, please contact us at (800) 684-4222. Sincerely, AAA Life

      8 people found this review helpful
      Verified Reviewer
      Original review: June 15, 2022

      Eight Days after my sister got paid out, I'm still waiting. Talked to a Rep, "It's in the mail", Called again another day, "It's in the mail". Really? I asked for Direct D and I get "It's in",,, you get it.

      AAA Life Insurance response

      Dear Brian,

      We are very sorry for any frustration you may have experienced. Unfortunately, Consumer Affairs has only provided your first name. Please contact us directly at and we'll be happy to research your concerns.

      Thank you for your patience during this process.

      Compliance Department
      AAA Life Insurance Company

      6 people found this review helpful
      Verified Reviewer
      Original review: March 10, 2022

      My husband passed away with CoVid in December 2021. I called to file the life insurance claim and was sent someone else's policy, a man whose name did not resemble my husband's. I sent in all the paperwork requested only for them to lose it, suggesting it got lost in the mail. (I mailed it at the post office) After much going back & forth, they tell me they need cause of death, not pending. I understand this and have tried to get that specified but things are dragging along. I filed a claim for another insurance policy he had with another company and was sent a check within 2 weeks. No questions asked. It's been over 3 months; AAA are taking their time and screwing up at the same time sending me a strangers policy etc. I need my money. I have another policy with them on someone else but will be cancelling that ASAP.

      22 people found this review helpful
      Verified Reviewer
      Original review: Jan. 19, 2022

      I applied for life insurance. This company denied me. I've never in my 61 years ever been denied for life insurance. Do not apply for life Insurance with this company if you have any kind of issues. This for when you die. Insurance company are greedy. Definitely not for the people. It's about having to pay out money. Just be prepared. You could definitely be denied. This is inhumane. Awful. What are they here for. My issues are not that bad because I am retired. On disability. I still work though. Unbelievable. Just a heads up for the next person.

      AAA Life Insurance response

      Dear Valued Member: AAA Life strives to provide the same high-quality service and products you have come to expect with AAA — a name that millions of Americans associate with stability and peace of mind. We value members and aim to provide high-quality service to all of our customers. Unfortunately, there are times we are unable to provide coverage. We would like to sincerely apologize for any frustration this may have caused you. If you have questions, please contact us at (800) 684-4222.

      9 people found this review helpful
      Verified Reviewer
      Original review: July 29, 2021

      I also have AAA Home Insurance and AAA Auto Insurance. AAA is a company I have done business with this company since 1976. I trust AAA to provide my family with the insurance products it needs. I feel I am well represented and well protected by doing business with AAA.

      AAA Life Insurance response

      Thank you for taking the time to share your review. We’re proud to have you in the AAA family.

      5 people found this review helpful
      Verified Reviewer
      Original review: May 24, 2021

      I have been a very satisfied customer of AAA for over 50 years, until now. Over the years, we would get promotions for life insurance and/or accident insurance. Years age, I decided, based on their reputation, to obtain accident ins.. A couple of years ago, I had fallen in the house, gone to the ER, checked out, and then went home. AAA was great and I received a check for the ER visit quickly.

      In December, my husband Peter **, fell in the house in the middle of the night. When I woke up, he was sitting on the floor, against the bed. He told me he had fallen and then crawled to the bedroom because his side hurt. I asked him if he hit his head and he said he did not think so, however, within 3 hours he was hallucinating, talking about birds in the room and the walls moving and opening up to show stairs going up into the attic, which we do not have. At that point I took him to the ER.

      We told them about the fall, his side hurting and the birds, forgot to tell them about the walls moving. He said that he had been in the bathroom and when he put the light out, and turned and stepped into the bedroom carpet, he fell. He thought he had been dizzy and didn't hit his head but his actions didn't indicate that. He said he just felt stupid that he fell and said the first thing he thought happened. The doctor's were concerned, especially because his tests indicated he may be bleeding internally. He was admitted, and over 5 days he was given a needed blood transfusion and subjected to all kinds of tests, upper endoscopy, colonoscopy, lots of imaging etc. but the discharge summery indicated that they never did find the bleeding site but they thought he was stable enough to go home.

      I filed a claim and we were promptly paid for the ER visit. However, then they wanted the discharge summery, which I sent them. Then they wanted a copy of all his records for that visit. They received those and when I talked to them March 10th they said the records are still under review. Said should have decision soon. Called many time after that. They kept saying decision soon. Said someone would call me. No one ever called. Even his discharge summary said that they had been unable to find the source of his bleeding, which was the reason they kept him and gave him blood. April 20th I talked to customer service and they said a decision was made and they would notify me shortly. May 21st I called again. Claimed decision letter was sent out April 20th, the day they told me it would be weeks before it would be sent out. I never received it.

      She said she would email me a copy, which she did. It was a rejection letter that was full of inaccuracies. I have been a AAA member over 50 years, we have had this accident insurance for years and this was only the 2nd claim we have filed on this policy, one for me and this one for him. This took 5 months and there is no reason why. I am going to fight this because I am sure this was the wrong decision and I bet on social media, there are more people with the same complaints and I am going to try to find them. We deserve better. Indicate that. He said he felt stupid because he fell.

      37 people found this review helpful
      Verified Reviewer
      Original review: Dec. 6, 2020

      I bought the life insurance through AAA. Thought it was good. Took it to the funeral home. He sent it in that said it pay back what I paid. Said never had it long enough. Never buy life insurance from AAA. I'm waiting for them to pay me. It's been over 2 months. No check yet. Why are they not answering me? I called that said 10 to 15 days but I feel I should get full $10000 but I bet I won't. They are not who they say they are so don't buy from AAA Life. My school Life ended up paying right away.

      76 people found this review helpful
      Verified Reviewer
      Original review: Dec. 4, 2020

      I have been a longtime member of AAA so I got a sort of discount but it wasn't really all that large. I get all sorts of mailings from other companies and the rates really don't vary among all of them nor do they differ much from AAA. The coverages are basically the same. The only reason I chose AAA is because of my convenient and long-term relationship with them although I know they'd not care if I left.

      39 people found this review helpful

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        AAA Life Insurance author review by Neal Frankle

        The American Automobile Association has over 51 million members and the national headquarters are in Heathrow, Florida. AAA was founded in 1902.

        • Product variety: Besides providing roadside assistance, AAA sells term, whole life and UL. AAA started selling life insurance in 1967.

        • Member supported: This is a member-supported company. As a result, members might save money on life insurance needs.

        • Limitations: AAA offers a very limited menu of life insurance products.

        • Ratings: It can be difficult to find the AAA’s insurance ratings.

        • History: AAA is relatively new to the insurance industry.

        by Neal Frankle Life Insurance Advisor

        Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of

        AAA Life Insurance Company Information

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        AAA Life Insurance