AAA Life Insurance Reviews

I would never recommend AAA Life insurance because of their ingoing billing errors. They withdrew three payments for my Premium in May, reversed one in June and just took two payments for July and now I’ve got gather screenshots of bank accounts and other ridiculous measures for them to initiate a billing investigation. Now I’m reading people are struggling to get death benefits dispersed? I’ll work on getting my overpayment back then I’m switching insurers.

I never expected that dealing with a life insurance claim after losing my father would become one of the most stressful experiences of my life. I am the named beneficiary on a AAA Life Insurance policy, and what should have been a straightforward claims process has turned into months of uncertainty, unanswered questions, and virtually no meaningful communication.

I would seriously recommend not going with AAA life insurance after my latest experience. They double charged me and then I disputed it with my credit card but I removed the dispute because I was afraid that AAA was gonna cancel my current policy year. My credit card cannot help me refuses to help me but does state that I absolutely has both payments for the year 2026 and the year 2027 in their possession. AAA is refusing to return my other $347.55. I plan to contact the Better Business Bureau and the New Jersey state insurance fraud to try to rectify the situation at this point. It is the principle of it I have spent a lot more than $347.55 wasting my time trying to get this money back . It is disgraceful. I have all documentation.

AAA markets their "Accident Insurance" and claims to pay "Recuperation" which according to their definition is ONLY the time you spend in a hospital, not off work, not at home licking your wounds. According to their language, once you leave the hospital, recuperation ends there. That is all they will pay. They should just say that. It is misleading. As a healthcare provider, the last place anyone recuperates is in a hospital. People go there and stay for treatment, not recuperation.

My husband passed away December 12, 2025 and submitted a claim with my agent at his office December 19. My agent stated that the claims department has paid claims without a death certificate but with a copy of the obituary. The death certificate was going to take 12-14 weeks to be available. There was no obituary done so I got a final disposition letter from the coroner/medical examiner sent to me and submitted that to AAA. They said no a death certificate is needed. The policy was one of the lower monetary amounts.

I increased my stars from 1 to 2 because the renewal was paid, extending my AAA membership until 3/31/27. But because the renewal process has been such a major pain each year, I won't increase the rating any further unless the renewal next year and the years after happen without me having to contact AAA Life 3 or 4 times each year.

My mother died on January 17, they processed my claim and "sent out a check" on February 6. When I called to find out the claim status they gave me information about a couple of regular mailings explaining the payout benefit and that the check was mailed 2 days later. I waited and received the mailings and waited about another 2 weeks and never received a check. I highly doubt they sent it if I got all the other stuff they mailed out. I called them back to get the check reissued and direct deposit this time. I was told it would take 2-4 weeks to get it now. Not exactly sure why when you can call and see if a check has been cashed or not and this should have been a priority because I never received the original check. Now today I call to check on the status because the last time I called they told me I can call every 10 days to check the status.

I have had the most difficult time with 2 life insurance claims from AAA. While the Customer Service Reps are professional & pleasant the process is horrible & most difficult than three others policy claims from other companies that have actually already been paid out. AAA received the required paperwork Jan 2nd. I call on Jan 11th & the claim has not been reviewed/processed. When I ask to speak with the examiner, I am told if they have an issue they will call me and the process can take up to 30 days. I was looking for additional insurance on myself but I can tell you AAA will not be considered. I don’t want my son to have to deal with an inconvenience like this. I want the process to be as smooth as possible while my family is grieving.

Do not get AAA life insurance, they will not pay out, and will perpetually lie and tell you that the policy is ' under review '. My mother passed away about 2 months ago from natural causes, under the doctors care at the hospital after having her policy for well over a decade, never missing a premium payment. I sent in all of the necessary documents and they are still not issuing payment. If you have it, get rid of it ASAP and spare your love one's the headache of trying to collect. You ABSOLUTELY cannot depend on it to pay for final expenses. Worst experience at the most difficult time in my life. One star because I can't give it zero.

In the beginning you will get a great rate and great customer service, THEN after a year you will get reviewed by the underwriters and then they will demand a medical exam even though you have no negative medical history, anywhere including the Medical Information bureau. Then when your Medical exam comes back unremarkable you find that they raise the rates, your agent will not return your calls or emails. Several members of my family have had this happen to them and then this morning it happened to me. Do yourself a favor and find a better insurance company for life insurance.

They have taken more than 3 months and I still have not received anything for accidental death on my husband's policy. Death certificate stated accident was cause of his death. I have called four times and was told I would receive return call from medical examiner and lad call I was told I would receive return call from CSR persons manager. Nothing yet, and he had rider on policy.

Horrible customer service. Obtained new policy. However upon reviewing the certificate of insurance I noticed that they had the wrong age. I have attempted several times to get this corrected via phone and email. As of this date still no response. I am sure that my coverage would be either limited or denied due to wrong age listed on the certificate. Will take advice from local agent and find more reliable company!

I give them a big 0. Zero. All they look for is to take your money. 5 years with AAA. They are the biggest scam in the world. If you are dying and only have months to live and put a claim in they will make you wait and tell you there was a mistake so they can't process your claim even if the doctor filled it out for you. Also they will talk to the doctor 6 months to 8 months later. Let me remind you the doctor or physician talks to them, reach out to them more than 10 times. They say they are going to review it and then knowing that you have 6 to 8 months to live they deny it to you. What a scam. They love to take your money as you can see their reviews this has happened to many people. You've been warned. Insurance companies like this shouldn't exist.

We applied for AAA Term Life Insurance more than four months ago. Each time we call to check on the status, we are told "You will hear by the end of this week." That has now been going on for 6 weeks. Today, when I called the number listed on the website, I got a message "The number you have called is out of service." I then called all numbers on the website and got the same message for all. The website indicates there is a "Live Chat," but there is no link to the live chat. I sent an email asking for a good phone number and a link to a live chat, and I was sent the same out of service phone number, and a link to the main website, but not to a live chat. I have been told they cannot communicate by email for privacy reasons. I am sending a certified letter to withdraw my application and to cancel all current policies with them.

I am so glad I came here to read these reviews before buying. Thanks to everyone for the information. I definitely will not be buying a policy with such a deceptive company. It is awful to not be able to trust a company such as AAA.

Although I consistently pay premiums for my daughter and I, notices threatening to cancel our policy, statements that a plan lapsed and discrepancies about amounts received or due for payment have been generated this year. My bank got involved and I forwarded bank statements, verifying payment. I still receive threatening notices. I have had my plan for nearly 10 years and regret purchasing insurance for my daughter from AAA Life, a few years ago.

My mother passed away and has less than enough to cover funeral expenses. AAA life insurance company is a RIP off. They are delaying paying, not returning phone calls and has completely ignored my mother's death claim! Do not get life insurance with AAA, they are rip off! No way I should be getting the run around, my mother always paid AAA and probably overpaid..! Do NOT trust AAA with your loved ones' final expenses, they don’t like to pay the claims!

My brother recently passed and I have spent 7 days trying to speak with someone at AAA. I been on hold numerous times (Your call is important to us. If it were, you would answer the phone) till I gave up and my emails have not resulted in a response. No one should have to deal with the death of a family member and then be ignored by a Life Insurance provider.

After purchasing my life insurance through Wells Fargo 20 years ago, it changed carriers many times all of which were very good but when it transferred to AAA, they lost my entire policy and didn't even knew who I was and couldn't not find me in their system.

My husband and I both had life insurance policies with AAA. Part of those signed agreements was lifetime membership in autoclub. When my husband died they even sent me verification of that. Now they won't honor that agreement even though I have lots of proof. Calling them was abysmal as they just kicked the blame can down the road. I should sue. It is a legal binding contract. DO NOT USE THEM. THEY DO NOT HONOR COMMITMENTS.

My husband wants to change ownership on his life policy to his wife. He provided the necessary change form; and now they are requiring his driver's license as well in order to complete the process. The form doesn't require his license for this process. He was informed through an email that it is needed. He requested DocuSign; because he is the comfortable sending his license. However, we were left on hold and the representative never returned to the call. Horrible service and I would not recommend buying their products online. My 3year policy is now voided and a waste of our money. It's really complicated to get great and excellent service. Training is needed and plenty of respect for customers.

AAA Life insurance cancelled my policy after the 2 yr point and said it was because of “fraud indicators”. They sent a check of the cash value and will not communicate with me after numerous call and emails. I did not cash the check and I want all my premiums I paid reimbursed. They stole my money and will not respond. There was no fraud.

Hello, I spoke with a Sabra ** who has the be the most kind, understanding, patient, helpful, knowledgeable person in the whole world of customer service. She help with an emergency situation for me that needed to be faxed that same day. I need to speak to her every time I call AAA. This woman deserves a Customer Service Award of the world! Please make sure she see this review!

NEVER BUY this insurance! I bought a 30 year term policy. I thought my rate would be locked in for 30 years, as was the case when people who ran companies had integrity. In the fine print on the application I was just told by Customer Service that there is a tiny line that reads my rates will go up every five years. So I did not buy a 30-year life term, I bought a terribly deceptive policy that increased 50% at the next 5-year band and will increase exponentially every five years for the 30 year duration and will go from $100 to $450 by the time the 30 years is over. If I wanted to buy a 5-year term, I would have. If I had know it would increase like this I would have gone elsewhere! They should have a box that you check or initial to ensure you understand this sleight of hand and legal noose tightening and deceptive policy, but of course they don't! Buyer beware.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Our dad passed away on July 13, 2020. We notified AAA Life on July 14, 2020. Since he had not had the policy for two years, we were not entitled to a death benefit but were told we would receive a return of paid premiums. It has been six weeks and AAA Life has all documents they need. I have called four times over these 6 weeks, and each time I am told it will be a week or two more weeks. After reading these reviews, my dad obviously did not read them before he purchased this policy. I would never refer this company to anyone, especially after we have been given the runaround for six weeks now. It is very sad that a company would do this to people they trusted with something as important as life insurance.

I initially called AAA Life Insurance to request a copy of my policies. Upon doing so, I was told that a copy of each would be sent via mail and email. The email never arrived. Because I needed the policies immediately, I called back to ask if they could please send them via email and was told that not only had the previous employee not sent the documents but that this employee could not send it. Try as she might, each time I tried to access the secured document, I received an error message. I was placed on hold to be directed to a supervisor. I hung up after a few minutes and called back. The supervisor sent the first document as a pdf and the other secured. That passcode did not work either.

If I could give them zero stars for their review, I would. DON'T USE THEM! It was nothing but incompetence and aggravation right from the start. We had decided to get some additional life insurance for myself and my husband. Once they processed the applications, they added my checking account to someone else's policy and we have been paying for him. I've been trying to get the refunded money back since the June. I've called multiple times and no one can do what they say they'll do in giving us back the money. I'm currently on the phone with the same rep that I spoke to on July 9th (today is July 20th) and he's not giving me much as far as help. I had to put a block on my checking account so that they wouldn't charge us anymore for this other person's insurance. Yet they are still charging my account.

Issue Resolved - I would like to thank AAA Life Insurance for immediately responding to my earlier concerns made. A representative from AAA Life Insurance had immediately reached out to me, researched my concerns, and resolved my issue.

I’ve had a policy with AAA for years, I’ve overlooked mistakes and tried to work with them yet now widowed can't risk my life policy being in jeopardy when I have a sick kid to think of. This last incident happens during this crisis. My agent could it quoted wrong payment due date yet he informed aaa of his mistake and requested exemption of case of interruption of my policy yet the management wants to apologize yet have me reinstate which means I’ll have no policy 30-60 days depending a new physical. This is maddening at a time we are in. So I’m done with aaa. They screwed me up twice before. Not getting a fourth chance.

AAA Life Insurance canceled our policy without informing us after we paid them for 5 years. They claimed that they couldn't reach us since we moved. It is a lie. We never for once received any email saying that they tried to reach us through post mail and if we could update our address. All I can say is try to avoid this company if you can!!