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AAA Life Insurance

AAA Life Insurance
Overall Satisfaction Rating 2.71/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 87 ratings

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    AAA Life Insurance Reviews

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    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 27, 2020

    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.

    38 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 20, 2020

    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.

    I called back and the manager would not speak with me, claiming to be occupied. Someone else came to the phone and after berating me and claiming it was my fault, she hung the phone up in my face. I called back and spoke with another gentleman who tried but was still unable to assist me. The passcodes didn't work. I kept requesting additional codes via the site until finally one worked and I was able to download the document. This was a huge lesson for me. I was on the phone with them six times between the hours of 12:24-2:13 p.m. This was the most awful experience I've ever had with customer service.

    AAA Life Insurance response

    Good afternoon,

    We are sorry you had a bad experience. This is not the type of service we strive to provide. If you are still experiencing difficulties obtaining this document, please email us directly at and provide us with your personal information so we can assist you further.

    Thank you for this opportunity to respond.
    Compliance Department
    AAA Life OR

    16 people found this review helpful

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      Rated with 1 star
      Verified Reviewer
      Original review: July 20, 2020

      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.

      Multiple calls and multiples days of aggravation and I'm still not getting a refund. Who do you have to call for help? Now he tells me I have to take the stop off of my account in order to get a refund. REALLY?? And what so you can charge me again? I’m posting this review on every website that I can to let everyone to stay away from AAA Life Insurance. I hope to get this resolved soon.

      AAA Life Insurance response

      Dear Valued Member:

      AAA Life has opened an investigation into this matter and will be reaching out to you directly, within the next few business days. If you have questions you would like answered before we reach out, please contact us at (800) 684-4222 or

      Thank you
      Compliance Department

      AAA Life Insurance Company

      32 people found this review helpful
      Customer increased Rating by 3 stars!
      Verified Reviewer
      Resolution response: May 6, 2020

      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.

      Original review: April 30, 2020

      All my troubles beginned when a fast-talking sales agent by the name of Zachary **, from AAA Life Insurance, Omaha, NE, called me to sell me life insurance. This happens to be the very same company that would not qualify me for this same exact life insurance the first time I applied for it last year. When I first applied for insurance, the outside company that AAA had referred me to, never came out to finish processing my examine and because of that I canceled the contract.

      Long story short, in light of COVID 19, AAA Life aggressively started seeking people out and decided to contact me knowing I still might want life insurance and yes, for the first time, while he still had me on the phone, Mr. **'s fast talked & scammed me into purchasing Flexible Universal Life Insurance. While he still had me on the phone, he had me go to my email that very moment, and had me sign the email he had just sent me allowing AAA Life Company to automatically remove $347.26 from my account each and every month. When I realized that he sold me something that a woman my age didn't really need, I had submitted a written request to cancel the transaction.

      When Mr. ** would not cooperate with my written cancellation request, I then contacted my bank-- and the bank was also not able to get my moneies back because I had already signed the EFT before canceling my contract. Here's the thing --the slick salesman that he is, Mr. **, had already started debiting my checking account the very next morning from speaking to him on the phone - (I spoke to him on a Friday evening and when I woke up early Saturday morning the money was already debited from my account --that's just how fast he moved. Please help me if you can. I have all correspondence as proof. Plus I have a letter received Mr. **, who emailed me promising to give me a full refund of all my monies. This letter was received and dated April 20, 2020, long after my bank already tried to get my money back and failed.

      16 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 21, 2020

      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.

      In a crisis honor your policy and mistake and take care of your customer not rob them of their policy. I think they want to increase my rate since I’m older or trying to cancel policies due to crisis. Who knows? It’s terrible way to conduct business for sure. Be aware of them goal. Seems to avoid honoring people policies and keep you paying higher rates by forcing you to reinstate often. SAD!

      AAA Life Insurance response

      Dear sirs,

      We've reached out to the client directly to investigate her concerns. Thank you for the opportunity to respond.

      AAA Life Insurance Company

      33 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 29, 2020

      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!!

      75 people found this review helpful
      Rated with 1 star
      profile pic of the author
      Verified Reviewer
      Original review: Dec. 30, 2019

      After a year of being told, “checks in the mail” for my fathers claim, AAA life insurance said deal with your state it’s not our problem anymore. My Dad paid on his policy and AAA will not pay. Buyer beware you will be out money dealing with these scammers. Scammed in Texas.

      AAA Life Insurance response

      We have reached out to Charles directly to attempt resolve his concerns.

      We appreciate the opportunity to respond.

      95 people found this review helpful
      Rated with 5 stars
      Verified Reviewer
      Original review: Nov. 25, 2019

      My opinion is that the agent I dealt with was very professional. She works out of the Jackson, Michigan office and her name is Mary **. She was good at returning emails, answering phone calls and questions. Much better than the service from Farm Bureau Insurance - Lapland's Battle Creek office as they were rude, made errors, overcharged and did not focus on customer service.

      39 people found this review helpful
      Rated with 1 star
      profile pic of the author
      Verified Reviewer
      Original review: July 29, 2019

      Submitted paperwork and they stated 10 days for a check to arrive, it is now 6 weeks and all they give to you when called is lies!! They did, however, send an application for life insurance and then another piece a mail at 5 weeks asking for Death Certification and Claimant Statement WHICH was given on Day 1.

      116 people found this review helpful
      Rated with 1 star
      profile pic of the author
      Verified Reviewer
      Original review: April 10, 2019

      Was a term life insurance policy holder for 15 years. Called once in 2012 and another in 2018. Contacted AAA customer service phone number then was transferred to a licensed agent. They never informed me that I couldn’t convert after 80% of policy paid or year 2016 / age of 65 whichever comes first. Please beware of AAA. They promised to review my policy with their mgmt team with a callback. Never called me back after 15 years of being a paying customer. They’re happy to take your money for payment, but no follow through to keep customers. They won’t convert my term policy after I was told by two licensed agents over the years I could convert until end of term policy. Don’t trust the licensed agents. They transfer you to via phone and their mgmt team speaks to you like you’re stupid.

      Doesn’t matter what they promise you over phone read every single word of your policy. Two words in my booklet of 12 pages typed out and mailed to me 15 years ago even though their licensed agents told me different has prevented me from converting my policy. 15 years of paying on my policy you would think they would call me back. Two different managers told me a review would take place of my policy to convert. They would listen to my phone calls recorded with the licensed agents over the years and the management team would call me back. They never called nor written any response to me when I was told would get a call back in 48 hours. They don’t care about anything except your payment. Please be aware of their tactics, poor customer service and lying licensed agents.

      151 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 Contributing Editor

      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