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AAA Life Insurance Life Insurance Ratings
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Reasons for Buying from AAA Life Insurance
Customers of AAA Life Insurance originally decided to purchase from the company for these reasons:
| Offered best price | 20% |
| Recommended by friend or family member | 19% |
| Reputation | 15% |
| Saw TV commercial | 13% |
| I had other insurance with this company | 12% |
| Financial Strength rating | 5% |
| Other | 5% |
| Saw online ad | 5% |
| Was the company my parents had | 5% |
| The company website and mobile apps are easy to use and helpful | 1% |
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About AAA Life Insurance
Life insurance policies offered
- Term Life
- ExpressTerm Life
- Whole Life
- Universal Life
Other offerings
- Accident Insurance
- Annuities
Best Life Insurance Companies 2020: How AAA Life Insurance Compares
AAA Life Insurance came in 11th in the 2020 Best Life Insurance Company survey. AAA Life’s best showing was 8th in the rating category of ease of use of website and app with a score of 83.30. AAA Life also placed 11th for price and 12th for customer service. A majority of surveyed policyholders, 80%, said they would recommend AAA Life Insurance to their friends and family.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of AAA Life Insurance's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For life insurance, AAA Life (NAIC# 71854) had a complaint ratio of 0.77 for individual life and 0.33 for group life for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Part of the AAA family
Starting in 1969, AAA Life Insurance Company became part of the AAA organization. It has over 1.3 million active life policies that offer the owners financial protection and stability for loved ones they may leave behind. A new offering is ExpressTerm that allows you to buy a term life policy in as little as 10 minutes. AAA Life Insurance offers life insurance policies to both AAA members and non-members alike. AAA members may receive discounts or extra benefits with certain policies.
Contact information
Corporate Headquarters
17900 North Laurel Park Dr.
Livonia, MI 48152
Customer service/Claims: 888-422-7020
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"Just ok and nothing else to say, it seems like they are the same as the others"
"Not special"
"This is a different kind of insurance so need to understand"
"You should not go to this company. I regret the first time I signed up with them. They have hung up on me so many times when I call to make a complaint."
"Prices are too high for a service you will probably never use"
"So far so good"
"I tell others to consider that these life insurance companies are a necessity for the welfare of our lives. It is very important for your family to get this insurance that protects us."
"It covers my needs"
"Bad insurance policy, didn't live up to my expectations"
"I'm ok with the company."
"It's just ok. The price is right and I really have never needed help from the carrier."
"I guess it's true with all life insurance- you get punished for living past 50 by paying a lot more money for the policy."
"It's hard to say, pay money and then just leave it alone."
"Insurance companies often have the option to not include certain diagnoses in all policies. If you applied with your condition as a pre-existing condition, they may not cover anything related to that. Your insurance company will provide you with a list of covered and uncovered diagnoses."
"They provide the coverages I need"
"It is okay"
"It fulfills the need"
"Although not real personable the company is trustworthy and gets answers answered quickly."
"nothing exciting"
Comments
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-Age 18-36, Arizona"It's a good company and easy to deal with"
-Age 18-36, Arizona"Quality meets my expectations. I'm able to get coverage I need with costs I can afford"
-Age 18-36, Arizona"This company is honest while dealing with me"
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-Age 18-36, Arizona"A company I never regret using in my life"
-Age 18-36, California"A company with an annual fee and payment is cheap compared to other companies"
-Age 18-36, California"Excelente servicio"
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-Age 18-36, California"Good reputation"
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-Age 18-36, California"They are always ready to help"
-Age 18-36, California"They provide certain benefit with their policies"
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-Age 18-36, California"Excellent experience."
-Age 18-36, Florida"Good and easy to job"
-Age 18-36, Florida"Good experience"
-Age 18-36, Florida"Good to send a message and receive an answer back."
-Age 18-36, Florida"Has high level service"
-Age 18-36, Florida"Their services make me feed confident and secure"
-Age 18-36, Florida"It has a good price and good coverage, plus the personalized attention is great"
-Age 18-36, Florida"My experience has been good because they have treated me very well"
-Age 18-36, Florida"The company is reliable and offers high level services"
-Age 18-36, Florida"They are very thoughtfull and caring about anything"
-Age 18-36, Florida"I like all things about this company"
-Age 18-36, Georgia"Good company"
-Age 18-36, Illinois"I love them"
-Age 18-36, Illinois"It is an insurer that is concerned about the well-being of its customers."
-Age 18-36, Indiana"I've had little experience with the life insurance company since buying my policy, I suppose that is good"
-Age 18-36, Indiana"My insurer is good from the beginning of the contract until the moment of use."
-Age 18-36, Indiana"They give very good assistance if that is required"
-Age 18-36, Indiana"Very easy to deal with"
-Age 18-36, New Jersey"Decent company "
-Age 18-36, New York"It provides full coverage life insurance needs for me and my family"
-Age 18-36, New York"Good service"
-Age 18-36, New York"This company provides good services "
-Age 18-36, New York"The customer service is great, the website useful and easy to navigate and find the answers you're looking for"
-Age 18-36, New York"They have a good services"
-Age 18-36, New York"I think they understand your needs when trying to locate features that would fit you lifestyle"
-Age 18-36, Pennsylvania"Great insurance"
-Age 18-36, South Carolina"Good experience"
-Age 18-36, Texas"Good service"
-Age 18-36, Texas"Good service"
-Age 18-36, Texas"I feel good because it gives best offers and best service for the client"
-Age 18-36, Texas"It is a good comapny overalll"
-Age 18-36, Texas"They are excellent at doing their job"
-Age 18-36, Virginia"It is very good quality with its services"
-Age 18-36, Virginia"Company is accurate and easy to get policy from"
-Age 18-36, Washington"They offer great service, I have never had to complain about this company"
-Age 18-36, Washington"I love my affordable premiums and customer service is always available and friendly/professional."
-Age 37-52, Arizona"Best company for life insurance"
-Age 37-52, California"I just enjoy the interactive site they offer."
-Age 37-52, California"Perfect insurer for my needs, I hope yours to"
-Age 37-52, California"They are a very good value."
-Age 37-52, California"They are good to work with"
-Age 37-52, Connecticut"I have been a user of that company for several years and I have not had any problem with them . I only have positive experiences"
-Age 37-52, Florida"In general, I have had good experiences so far, the staff is attentive and concerned, and the webpage has a friendly navigation and satisfies my needs when I have had to manage something"
-Age 37-52, Florida"Very easy to use website with live customer service available."
-Age 37-52, Florida"Quality and secure company"
-Age 37-52, Florida"Customer support are awesome."
-Age 37-52, Illinois"it is a very good company"
-Age 37-52, Indiana"It's good for cash value policy"
-Age 37-52, Indiana"Saw advertisement online and liked it."
-Age 37-52, Maine"Great service and easy to talk to...."
-Age 37-52, Michigan"Good value"
-Age 37-52, Nevada"Wonderful and one of the best service providers in this area"
-Age 37-52, Nevada"I have always had the necessary coverage of my policy and good customer service when I had a question"
-Age 37-52, New York"I'm satisfied with the offer they gave me... they were helpful"
-Age 37-52, New York"I trust the company"
-Age 37-52, New York"The company is great I think"
-Age 37-52, New York"The style of the company is great"
-Age 37-52, New York"My experience with this company has been very trustworthy and reliable"
-Age 37-52, New York"I am happy with the experiences that I am receiving"
-Age 37-52, Ohio"They have a careful attention with the client."
-Age 37-52, Ohio"This company is very efficient and responsible"
-Age 37-52, Oregon"I like them"
-Age 37-52, Texas"Always good customer service"
-Age 37-52, Virginia"Easy to understand my policy"
-Age 53+, Alaska"Company app helps in giving me more detail about policy"
-Age 53+, Arkansas"I have the same company for all my insurance because I like them and have confidence in them."
-Age 53+, California"Giving me 24/7 service and also giving superb online claim process"
-Age 53+, District of Columbia"Professional and pleasant"
-Age 53+, Florida"Company app is good in helping to give me more detail about policy"
-Age 53+, Illinois"Company is good and gives me the best online sevices"
-Age 53+, Illinois"You can talk to a real person that speaks English so excellent service"
-Age 53+, Michigan"They have good customer service"
-Age 53+, New York"Great rates and plans, excellent customer service, user friendly website"
-Age 53+, Oklahoma