AAA Life Insurance Reviews

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 I called and spoke to a representative who verified that AAA had withdrawn duplicate premiums and he told me he'd contact the billing department and have one payment credited back to me.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!

Very poor customer service. Most agents extremely rude. Have been told they would call me back but never do. I called 3/24/17, 2 days after my mother's passing and they never called me back. Called again 4/8/17 and was told call back for claims dept. on Monday. Called Monday 4/10/17 and was told they would expedite my claim. Called back Tuesday April 11th and was told check processed and I should receive it by end of the week. Called back Thursday April 13th and was told another 7-10 days and I asked for supervisor who lied and said it takes 3 days for FedEx to pick up. FedEx says nothing scheduled for pick up. I demanded answers as to what the problem was.

My mom just passed away 08/15/2016. She took out a 25,000 POLICY. They said she canceled the first policy for 15,000 but she paid on it for 3 years now. Don't sound mighty fishy. She added 10,000 to that 15,000 to make it 25,000 paid 179.00 a month. I am her daughter which I took care of everything. I sent in all the paperwork they needed. Now they said they can't pay. They will pay only the premium what was paid in for 20 months. That's some **... NEVER AGAIN. THIS IS JUST WRONG. I NEED A LEGAL ATTORNEY.

We have been AAA members for over 33 yrs. When we got a promotional ad for LIFE insurance Term at a reasonable rate I signed up for it. That was Aug 2016. We never received any package with our policy and I didn't realize that until I was going through some files and saw that we had nothing for this insurance plan. When we called they said they'd sent it in August but sent us a new one. When I got it, I looked over the plan. We had 30 days back then to cancel, which I would've done immediately after reading the terms. It stated that for the 1st 2yrs. of the policy, the payout was only valid if it was an ACCIDENTAL DEATH. I didn't want ACCIDENTAL DEATH policy, this was advertised as a LIFE INSURANCE policy!!!

This company kept withdrawing money from my account for two months after cancelling due to my employer picking up the policy. Called to complain on January 28 and was sent a cancellation letter finally after being charged another cycle. These people with AAA Life are thieves. I am cancelling my AAA auto policy Monday when they open.

Poor company in that they misrepresent fact. Applied early December 2016 and was told I would have response by end of year. This was very important to me as I was leaving my job through which I had life insurance that was in place for the sole purpose of providing for my disabled daughter in the event of my death. I did not receive a response even though I did what was requested of me in each instance immediately. The last I heard from my agent, they had everything but records from my Dr. so I called my Dr. and found out AAA had received Dr. records early January. There is not much to my records, I saw Dr. maybe six times over 5 yr. period.

I payed my bill on 11/3/2016. I get a bill on 12/5/2016 so I call AAA Life. They said I miss my payment for 11/9/2016. I told the person I talked to I made my payment On 11/3/2016. He said I didn't make a payment so I gave him the confirmation number so he said "you need to talk to escalation" and that was a waste of time So I paid the bill again. I'm not happy with this service I got. I will stop doing business with AAA Life soon. P.S. The Bill Was Only $56.97. Paid Twice!!!

I had AAA, the gold membership where you pay more. I thought it would be good because I had the gold card but I found that out quick that even with the gold card I had to pay extra because I thought I had unlimited miles. Hell I'm paying for the service, but the driver explained that I'm only covered a limited amount of miles. I was pissed because I needed to get my van back home because I didn't have money for the shop, so I had to pay money out of pocket that I needed for bills, so I decided to leave AAA and sign up with a better service, a better company, unlimited, and better discounts. This company is www.mcaroadaide.us, known as Motor Club Of America. Excellent service, no long wait times, or out of pocket expense, great service, thanks MCA.

I was quoted for 57 to 60 $ a month for life insurance, term policy. I had a telephone interview which was not supposed to happen and I gave urine and blood samples for the company. I can't login to receive the results of the test and I was denied the insurance at first because I had a driving history and now they are saying that I can't have it because of the lab results. I intend to obtain a lawyer because I feel discriminated against because I am disabled. I have further went back and applied for the same policy and now they want me to pay 100 and something, more than half of the quote I got from the salesman who called me. I am going to try and sue AAA for $250,000.00 for putting me through the process and denying me the opportunity to receive life insurance.

This insurance I won't recommend. I have car accident last July 2016. I'm trying to get reimbursement on ambulance expenses is about 1500 dollars. The company ask me more paperwork. They going around not willing to pay on my accident expenses. They like to collect premium but when it comes to reimbursement on medical expenses. Forget it.

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 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.

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.

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!!!

We purchased a $50,000 life insurance policy from AAA - soon after that my 50-year-old husband died of lung cancer. He did not smoke, and had never smoked! In January 2009, he had a physical. All was well. In March, he participated in my son's Eagle scout project - He died June 14, 2009. Only 4 weeks prior to his death - he began having problems. Because he had not had the policy 1 year, AAA launched an investigation getting medical records - they cited (honest!!!) his high cholesterol & a fatty cyst that had been removed a few years prior, saying we did not properly fill out application.

My mother had a whole life policy through AAA less than a year and she recently passed away in August 2013 and I'm the beneficiary. I reported her death the same day and signed some few forms (claims) and told to write down a few sentences concerning her death (how she died). I went in the office after receiving the death certificate. The agent who sold me the policy told me shouldn't take longer than two weeks. I wanted the funds to go to direct deposit. Been three weeks now and nothing. So I call the agent to get an update and now she said they are waiting to get medical release from her doctor.

I spoke with an agent of triple A Life insurance to get a quote for me. So I just realized they have been withdrawing from my account for the last five months and I never received any policy. I tried to get an interview with him and he told me he was busy with a few church meetings. What type of company is this? If there is anybody in the company who can fix this, I appreciate to have my money back - reinstated back in to my bank account. I am totally unsatisfied with this.

I signed up for a $200,000 policy. It was issued at a reasonable price. I set up up everything on the automatic payment option and forgot about it. Now two years later, I just happened to look and noticed rather large withdrawals coming out of my account on a quarterly basis and discovered that they had doubled my initial premium. I have not had one illness. Nothing has changed health-wise (a clean bill of health). I guess I should have known better. I wrote to them tonight telling them to cancel my policy. Unbelievable how they raised the rates so quickly.

Fraudulent agency - In January 2012, I dropped off a change of payment information with a copy of the contact and deposit ticket in the mail drop box at the AAA Daly City office. May 2012, I received a letter from AAA stating that my above mentioned life insurance policy has been terminated due to breach of payment. I was shocked because I did my share to inform AAA of my new payment information and it is set up to be auto withdrawal each month. I tried numerous times to resolve the issue with AAA and was suggested by the Daly City office agent, ** that they can reinstate the policy if I agreed to do a new physical examination. I feel that this is not a proper and ethical business conduct because my life policy was terminated without any advance notification.

I took a policy with AAA back in July of 2006. I was told that this policy was a Return on Premium Policy; which was explained to me that if I decided for any reason to cancel my policy, AAA would refund the premiums I had paid in. I acknowledged that I was interested so AAA sent a representative to my office to perform a physical exam. The lady who came also reiterated that the policy had a Return on Premium.

About 8 years ago, we purchased 3 life insurance policies, one for my husband, myself, and one for our then 10 year old daughter. I have been paying monthly for the premiums, and my husband, and my account have been gaining interest and money, we can borrow against. Last month, my daughter's policy did not come out of my checking account, and I contacted AAA Life. who told me that the policy was under funded when it was written, and that in 2008, 2 years ago, they were supposed to contact me, and tell me that it needed to be changed.