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Learn how Term Life Insurance can help protect your family
Term life insurance provides you with temporary protection to cover a specified period of time. It is generally the least expensive type of life insurance you can purchase. Term life insurance is also a practical choice if you need to supplement your employer-sponsored life insurance or don’t have an employer-sponsored policy.
Term life insurance may be right for:
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Newlyweds and young families on a limited budget
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People looking to cover time-sensitive needs such as a mortgage or college education
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Families needing coverage for 30 years or less
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Those looking to cover valuable services provided by a non-working family member
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Wage earners who have employer-sponsored life insurance but need additional protection
Rates1 on a $500,000 20-Year Term Life Insurance through AAA
With Term Life Insurance, you pay a level premium to the insurance company for the term of the policy. In the event you die during the term, your beneficiaries receive the death benefit. A premium is a specified amount of money an insurer charges in exchange for its agreement to pay a policy benefit when a specific loss occurs.
Term Life Insurance is typically a more economical way to provide death benefit protection than other forms of life insurance. It can cover you for a specified number of years (the term) as long as the premiums are paid and the policy is kept in force. AAA Life Insurance Company offers Term Life Insurance for term periods of 10, 15, 20, 25, and 30 years, with premiums guaranteed to remain level for the term period.
Term Life Insurance is often suitable for people in these situations: Newlyweds and young families who are on limited budgets, wage earners that have employer-sponsored life insurance but need additional protection, people who need life insurance coverage for 30 years or less, or families whose lifestyles would be greatly disrupted by the loss of someone whom they've depended on for financial support. AAA Life offers Term Life Insurance coverage from $100,000 to $5,000,000 with coverage guaranteed renewable up to age 95.4
5. Add Return of Premium to a policy
6. Purchasing Term Life Insurance is easy
Get a Free Personalized Life Insurance Needs Assessment2
Navigating through your life insurance needs can be overwhelming. Most families understand the importance of having life insurance to protect their families but are unsure about the type of coverage they should get or how to start. AAA’s Life Insurance Agents offer a personalized needs assessment2 to help members decide what coverage is best for them and their family. This is a free no-obligation analysis with our professional Life Insurance Specialists. AAA Life and its agents do not provide tax, legal, or financial advice.
1$23 a month rate is the Super Preferred rate for a 35 year old female. Premiums are guaranteed for the term period, then increase annually thereafter. Premiums above are examples only and may vary based on your personal health history and underwriting guidelines. Certain exclusions apply. See policy for specific details of coverage. Policy and its features may not be available in all states. Premiums are guaranteed for the term period, then increase annually thereafter. Premiums above are examples only and may vary based on your personal health history and underwriting guidelines. Certain exclusions apply. See policy for specific details of coverage. Policy and its features may not be available in all states.
2The life insurance needs assessment is for informational purposes only and is only a broad, general guideline based on information provided to the agent. Any recommendations are not based on legal, financial, or tax advice. You may wish to consult with an independent legal, financial, or tax professional before purchasing life insurance. Your local AAA club and AAA Life Insurance Company do not provide tax advice. Life insurance underwritten by our affiliate, AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except NY.
3Premiums are guaranteed for the term period, then increase annually thereafter, and guaranteed renewable up to age 95. Premiums above are examples only and may vary based on your personal health history and underwriting guidelines. Certain exclusions apply. See policy for specific details of coverage. Policy and its features may not be available in all states.
4Premiums will increase annually after the level term period, not to exceed the maximum stated in the policy.
5The Return of Premium rider is provided under the Intermediate Period Endowment Rider. Return of Premium benefit is not available with a 10-year term policy. Certain exclusions and limits apply. Policy and benefit must remain in force in order to be eligible to receive a return of premium. A portion of the ROP amount may be paid if the policy is terminated prior to the end of the initial term period. No return of premium for the first 2 years of the policy. Rates and policy approval are subject to specific underwriting guidelines. The amount of your actual premium returned to you will be in accordance with the terms of the ROP rider. Life insurance underwritten by our affiliate AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states except NY.
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