AAA Life Insurance Reviews

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.