AAA Life Insurance

    Overall Satisfaction Rating
    3.19/5

    Based on 36 ratings out of 37 reviews

    • 5 stars10
      28%
    • 4 stars9
      25%
    • 3 stars5
      14%
    • 2 stars2
      6%
    • 1 stars10
      28%

Compare Life Insurance

Research top Life Insurance recommendations on ConsumerAffairs

Compare Companies
1395people found this page helpful

Record a review about your experience with AAA Life Insurance:

Login to record a Video Review

Consumer Complaints & Reviews

We applied and then were charged more than the quote. We called to try to reduce the coverage. The "gentleman" was a jerk and unable to handle such a simple thing. I told them nevermind so I received a letter telling me they could not insure me. If it is THIS hard to sign up with these incompetent people I can only imagine how they would handle a claim.

My mother is 86 years old. She called triple A for coverage. They said they would send her a packet with her card and number. She never received anything!!! But they didn't forget to take her money!!! No refunds!!! Still has no card or number, that's their "policy" is all they will say. Think twice before joining. Anyone who takes advantage of the elderly is not a fit company to use!!!

My father passed away on February 6, 2016. He carried two $10,000 policies. One with Mutual of Omaha and one with AAA Life. My sister notified both companies after the funeral. Mutual of Omaha verified through the funeral home that he had passed and paid the claim in two weeks. AAA required a number of forms be completed and a death certificate be sent. We did so. Then radio silence.

I emailed repeatedly and was told they were "reviewing the claim" - seriously? Then we got a letter stating his beneficiary was his estate. Really? He did not leave his life insurance to himself. He left it to his wife. They REQUIRE you to name a beneficiary when you take out a policy. Now they insisting we send a Letter of Authority from the estate. He had no estate. Everything was in his name AND my mother's. They just don't want to pay the measly little $10,000 he had a policy for and that they paid for over the past 10 years. OUTRAGEOUS behavior for a large company with no compassion.

I accidentally made an overpayment online bill pay on 2/4/16. I noticed the overpayment on 3/2/16. I contacted customer service right away through several phone calls to get immediate reimbursement. It's 3/16/16 I haven't been reimbursed yet. The customer service rep keeps giving me the runaround and excuses. I've been a customer of AAA life insurance for over 15 years and very disappointed in the attention to this matter. I am very disappointed because I call now every day and keep being put on hold and don't get returned phone calls.

I like AAA insurance company because of the simplicity of the process to joined and become a member. The company has exceptional customer service and each inquiries are response to in a quick timely manner. If the individual does not have an answer he or she will attempt to connect you to the right party.

How do I know I can trust these reviews about AAA?

  • 571,934 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

From the time that I first inquired into life insurance with this company until the time that I purchased the product, the representative that I dealt with at my local AAA office was extremely helpful -- courteously and patiently answering all of my questions and ensuring that I totally understood every aspect of the product.

I have only had contact with the company a few times with questions or concerns but overall very happy with the customer service and support. The agency has been available for any reason, question, or any other purpose anytime I have needed them. I hope when I pass that they are as respectful and helpful to my family as they have been for me.

I have had AAA insurance for my life and home for 8 yrs, and have never had a problem in any way with them, and I love that they don't bombard me with mail I don't need like so many other companies I deal with. I would highly recommend AAA.

I began buying life insurance from AAA Life Insurance Company more than 15 years ago and have always had confidence in them that when needed they would be there to meet my needs. I have converted from a term life policy to a whole life policy. When I called the 800 contact number to convert my policy the representative helped me to choose the right amount of coverage that I could afford at that time. Thanks to them. I feel better about leaving something behind to cover expenses after my death.

It is good to have just in case the unexpected happens. God forbid my family will be taken care of and won't be left with the burden of trying to find or borrow money to try to pay bills or party down with and I won't have to be buried in a cardboard box. Instead I'll be in a fancy pine box with no lid and a bunch of holes thanks to my life insurance.

My insurance company is usually very proficient. They answer all my questions. They help me find the best plan for me. Most representatives are very friendly and usually can help me relatively quickly. I have noticed in the past they oftentimes have a long hold time when communicating by phone. A rep will usually call me once a year to update my information and make any changes needed.

I feel great knowing my husband and I are covered for a great price! There is also a great price for adding riders or children on the life insurance policies. They are always very helpful and amazing and always willing to help in any way they can. We love having our life insurance, car insurance, and home insurance all with the same company! We also have great experience with roadside assistance as well. We always feel great and well taken care of, and we are always happy to call and ask questions! It never hurts to call and get a quote!

This insurance company is well known and the products they sell are competitive in the market place. I have not had any problems with AAA and the service from them has been good. The contact information and customer service is readily available and the information I receive thru the mail is always current. I would certainly recommend this company to anyone needing insurance products of any nature.

I really don't have much experience with AAA Life Insurance, other than I have money automatically deducted from my bank account on a monthly basis for my premium. Saying that, I've had no problems with AAA, other than not having success actually logging onto the website so I can see exactly what benefits I have available to me. I've had this policy for more than 20 years. I honestly can't say whether I would or would not recommend them, because I don't know enough, nor do I have enough information, to give an informed opinion. Suffice to say they are an established, reputable company.

AAA is very cheap and affordable for someone who is my age. It's so easy to apply, not very many questions to answer on the application and their customer service is always on point. There's no hassle or haggle. They are straight, direct and to the point. I would recommend to anyone.

I have had nothing but good customer service. The rates are reasonable. They even adjusted my payments after I retired. They also help with my wife's payments and made sure we were able to keep our payments as low as possible in order to keep the coverage that we have. They are a class act when it comes to customer service and looking out for their clients.

I am happy with my life insurance because the amount increases each year... I mean the amount due on my death. I have been with them for over forty years and my yearly premium never increases so I think I have very good coverage. They are a well known company so I have no reason my children will get their due when I am gone. What more could I ask for? Because I know I am well covered, this gives me good peace of mind to know that the money will be there. I also like my insurance co. because if I am in a bind and need money I can easily take out a certain amount. I have done this in the past and it was a very easy. I just called them and they sent me a form to fill out and I received what I requested. I do not know if all insurance companies would enable me to do this but mine does so that is another reason my insurance co. is the best.

The truth I'm too pleased with my life insurance because every time I've needed your assistance has been timely and effective in a complete look... Until now no complaints of it and wanted to continue in the same way though if I would like to note that sometimes waiting times are variants leaving some uncertainty in its response.

I am satisfied with my coverage of AAA life insurance. I have had the policy for many years now. The representative came to my home to discuss and ask questions to determine whether or not I would qualify for their insurance. Once I qualified it was a quick process to get everything finalized. I don't have a large policy with them but it will help my family cover funeral expenses when the time comes.

I'm a new member of this life insurance and I have had no bad experience with it up til now. I am very, very, very happy with their service. They have different plans and are even affordable and attainable. It sure, sure, sure is a very good company. I have nothing to complain about the service of this company.

I like their services. It's easy to communicate and I been using it for like 5 years now. They never fail to impress me, got everything I need. It provide my family a better insurance. Low payment deductible, worth to join. They are there when you need them. Better than other insurance that I use to have before. I will keep this for very long time as I lived! Thank you very much for your service to the customer like me!

I have several different insurance policies w/ triple AAA. Their auto insurance policy is above and beyond. It has been there for me more than once just w/ a tow truck in an emergency breakdown situation. My Homeowners policy is gold standard. Once, during an extremely high-wind storm, a large tree fell on my garage, crushing an entire side in. The AAA guy was there the day after the storm and had a construction crew was at my home the next day. The repairs were completed in 3 days and AAA immediately made follow-up contact w/ me. AAA is not inexpensive, but it's worth the cost.

I signed up for a whole life insurance policy with AAA Life and I have had no issues since 2011 when the policy was issued. I have a local agent and they have earned my trust. I understand that most people on here are discouraged. However, life insurance policies are for investment purposes and must be treated as such and maintained just like a relationship.

Life insurance really are a ripoff to me. You have to pay a life time then a take you through so much to get life insurance. They want to know your whole life history then if you have a condition such as asthma or COPD they up your insurance or don't want to insure you.

Easy to work with, friendly, reliable, reputable company who I would recommend to friends and family. Good rates and fast quotes with easy to understand language.

I've had no problems with my life insurance company. Would highly recommend them to others. Rates and premiums are among the best I've seen in a long time.

I was told when I purchased your ins that accident by or an electric wheel chair were covered - now I am told you do not cover electric wheel chairs. Please explain why your salespeople and your staff claim adjuster would say this is covered - is a claim occurring in an electric wheel chair covered???

I signed up for a whole life insurance policy with AAA Life and I have had no issues since 2011 when the policy was issued. I have a local agent and they have earned my trust. I understand that most people on here are discouraged. However, life insurance policies are for investment purposes and must be treated as such and maintained just like a relationship.

My father passed away Dec.15, 2014. He had a life insurance policy with AAA, which he had paid on for years and was never late on a single payment. On the policy it states that my mother is to receive 50% and my 4 brothers and myself are each to receive 10% after all funeral expenses are paid. It also states on the policy that all funds would be released within 10 business days after the policy holder is deceased. It had now been 28 days and nobody has received anything other than an excuse every time we call to find out why we have not received our checks.

If my father had known how incompetent this Insurance Company is, he would have never given them a dime. This company lacks customer service and they do not honor their end of their own policy whatsoever. I would never leave my family the burden of having to deal with this company's ignorance just to have what I left them.

I only had my life insurance for a short time. About three months. One of my main concerns was will I get my money back if I cancel? I was told I would. I did need to cancel and got one lousy payment back. Buyer beware!!!

Expert Review

Neal FrankleLife Insurance Contributing Editor

Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of WealthPilgrim.com, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of www.MCMHA.org.    More about Neal→

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.

Compare Life Insurance Companies

AAA Life Insurance Profile

Basic Information

Company Name:
AAA
Address
1000 Aaa Dr.
Heathrow, FL 32746
United States
Year Founded:
1920
Website:
http://www.aaa.com/