AAA Life Insurance Reviews

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!!

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.

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.

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.

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.

Whatever you do don't give them your bank information or credit card information. They have been taking double payments from my credit card for the last three months. I am on a fixed income and have begged them to stop but they won't. I've put a hold on my credit card and now they are robbing my bank account. This was a company I trusted but it's been the biggest mistake of my life.

I opened a whole life policy by phone. I authorized one premium to be deducted from my account for the first payment but they debited two payments. I called and spoke to a representative who verified that AAA had withdrawn duplicate premiums and he told me he'd contact the billing department and have one payment credited back to me. After 5 days when I hadn't received the refund I called again. This time the representative said there was no record of AAA having drawn more than one payment and there was no notes on the account showing that I had ever spoken to another representative. It's not that an extra payment was drawn in error but that there is no record of the conversation with the first representative I spoke to who confirmed that I'd been overbilled. I am cancelling this account. I would not recommend doing business with this company.

I paid on a term AAA policy for fifteen years, which expired when I was 75. This was for 25,000. At age 75 I was given the option of changing to a 10,000 permanent life for considerable more premium money. I took the offer and am now 79. I called today to check that everything was ok. Guess what. It was never changed. 25,000 policy lapsed when I was 75. No record of payments for the last 4 yrs. I always thought I was pretty sensible. Guess not.

This year I turned 55. My insurance premium was $43 per month. It has now been changed starting the 1st of the year to over $70 a month. I have had this policy for over 15 years. I cannot help but think this is a way to get me to cancel the insurance and they get to keep the last 15 years worth of premiums. I also had the same instance with my work supplemental life insurance and also cancelled that. This is ridiculous, as I get older income will become more limited with retirement and I will not be able to afford any life insurance at all!!!

I went into Autoclub to take care of my car insurance and stopped by to get a life insurance quote. I revealed information to the agent as the interview process proceeded. The agent ended up upset, called me a liar several times, went on to say he gave up his lunch for me and how I wasted his time and refused to give me the free gift offered for the quote. I proceeded to ask for my information back which he refused and then I spoke to a supervisor. The supervisor was very nice and gave me a bag explaining how wrong the agents behavior was toward me as I sat there and cried from the abuse. The agents manager then called explaining his behavior was a result of people not giving information as fast as he wanted it.

I purchased term life insurance from AAA over couple years ago. My mistake was to place it on automatic payment from my credit card. Suddenly the payment they were taking from my credit card went up 50%. I called to AAA life insurance phone# 800-624-1662. I was explained, that they sent me a letter informing about my payment increase. No such letter was ever received by me. I wasn't aware about the increase. In short: no refund, no credit was issued to me. I cancelled the policy. It wasn't the cheapest policy anyway for equal coverage. I definitely do not recommend purchasing of the life insurance coverage from such scam companies like AAA and similar. Get the policy from reputable insurance company. Thank you for reading.

Had to deal with AAA to get a death benefit payout for my brother in law. My sister could no longer deal with AAA. They have lied, held up our death benefit, classified it incorrectly then fixed it. We have been 5 weeks on this and no money... It's really sad when you have a sudden death in a family and you are relying on life insurance to get by until you can get your head on straight to deal with stuff only to find you are starved out by your so called life insurance policy and AAA. I'd strongly suggest staying away from AAA for Life Insurance as to date we still have no monies. It's ludicrous and a damn shame to be squeezed out by your life insurance company, Shame on you AAA for your neglect.

I signed up for 31 day free trial AAA Life Insurance before looking for reviews on 4/16/2018. I then saw reviews and decided to cancel 30 days later. I called and attempted to cancel and was denied any confirmation number or e-mail. AAA had already charged my credit card on 4/25/2018 so I also sent a letter of revoke. As of today July 22 AAA has charged my account three times with only one credit. I have called this company five times and have my credit card now involved in this nightmare. I'll give this company a few more days with my only out left...cancel my credit card. STAY AWAY FROM AAA.

AAA was easy to deal with and prompt with the term life insurance payout for the policy owned by my recently-deceased husband, John. They were more than willing to directly deposit the payout amount in my checking account for faster service. I was pleasantly surprised, also, to read in the policy (on practically the last page) that a surviving spouse that is the beneficiary of a term life insurance policy for their deceased spouse is entitled to a free lifetime AAA membership if they apply within 180 days of their spouse's death. I feel confident about the term life policy I have on my own life, and AAA Life's prompt response to my claim has helped a family friend make his decision to buy a term life policy on his own life.

I have a Life Insurance Policy with AAA Insurance that has been active for several years. It has an "Auto Pay" feature where my Credit Card is charged quarterly. This quarter, their computer charged my Credit Card on the 15th (as scheduled) and then again on the 17th for the same amount. I discovered the duplicate charging and called AAA Insurance and was told there was a computer "glitch" and my CC would be reimbursed. A week later, no credit to my CC so I called again. Was told to be patient and they were working on the problem.

My check from AAA just arrived in the mail today (got back what was paid into it). Okay, my Father passed away about 8-9 months ago. Last December the Funeral Home contacted me stating that haven't received any money from AAA. They also said when they contacted them about payment, AAA said that his policy is "Contestable." The Funeral Home said they don't know why AAA didn't inform them "Day 1" that the policy was contestable because had they done so the Funeral Home wouldn't have accepted the policy. I had to take out a loan last December to pay the Funeral home what AAA had already agreed to pay in the contract. I WOULDN'T REFER AAA LIFE INSURANCE TO MY CACTUS!!! STAY AWAY STAY AWAY!!! I recommend getting Life Insurance with your bank or another accredited company!!

I responded to a flyer for AAA term life insurance and was hounded by an agent for months. Never seen anything like it, at one point, he reached out to my wife and gave her a horror story about what could happen if I didn't call him back and died without proper coverage (an unnecessary approach). I eventually did decide to check their rates against another insurance carrier (on the promise he would not call my wife again), went through the whole testing process and after all that -- was denied?!

I am 56 years old and thought I would buy an extra policy now that I have a granddaughter. I received an application through the mail and put in my bank account information, for automatic payments. AAA decided to take out payments for 6 months. All of a sudden I get a letter saying I was denied "because of information in your Milliman IntelliScript Report. The information contained in your prescription history report assisted us in determining your eligibility for our life insurance". These were the exact words. What?? Then why did you take out $369.00 out of my bank account??!! I called, to try to get an explanation and the GIRL I spoke with transferred me to customer service, because apparently it was beyond her expertise! I was on hold for 8 minutes and 39 seconds, then disconnected!