AAA Life Insurance Company Review

Rating: 8.2 / 10 (Excellent)
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AAA Life Insurance Company was incorporated to the AAA brand in 1969. Headquartered in Livonia, Michigan, AAA offers life insurance and annuity products at competitive rates, covering over a million policyholders across the nation. The company holds an A.M. Best rating of A- (Excellent) and a BBB rating of A+.

How is AAA rated?


Financial Strength
Customer Experience

Overall Rating: 8.2 / 10 (Excellent)

AAA Life Insurance Company, part of the AAA organization, has been providing life insurance and annuity products since 1969. With over 40 years of experience in the industry and a solid financial reputation, AAA Life offers a comprehensive selection of life insurance plans and high-quality service that is more affordable than most.

Financial Strength

Key Details

AAA Life Insurance Company
Marketshare 2016
Premiums Written 2016
AM Best Financial Rating

Financial Strength - 7 / 10

AAA Life is one of the largest entities in the AAA organization, providing reliable financial protection to over a million policyholders across the nation. The company has held an A.M. Best credit rating of A- (Excellent) as of July of 2016.
*The above information reflects the financial strength of the underwriter of the AAA life insurance policies: AAA Life Insurance Company.

Reputation & Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.48) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
Number of BBB Negative Reviews
Date Collected

Customer Experience - 9 / 10

AAA Life Insurance company holds a Better Business Bureau rating of A+ and has received mostly positive customer ratings across a number of independent consumer review sites. The company has a below average customer complaint volume on the Better Business Bureau website and has taken the time to address each one according to BBB guidelines. The organization has a commitment to customer satisfaction that is stronger than most other institutions we evaluate. This is evinced in their below average NAIC complaint ratio.

AAA Policies

AAA offers customers the following life insurance policies: Term, Whole Life, Universal Life. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the AAA Term Life policy.

Term Life Insurance

Minimum Age
Maximum Age
Minimum Death Benefit
Maximum Death Benefit
Available Terms
10 year
15 year
20 year
25 year
30 year

Key Term Policy Features

  • Waiver of Premium
  • Return of Premium

Policies - 9 / 10

AAA offers an excellent variety of term, whole, and universal life insurance policies, as well as accident insurance and annuities. With multiple options within each product category and everything from fast to comprehensive coverages with convenient in-home medical exams, AAA life is a solid contender among top life insurance carriers. Their term life insurance policies alone can afford up to 5 million in coverage and be customized with additional riders such as child term life, disability waiver of premium, and travel accident insurance.

Flexibility & Available Riders

Available Riders

  • Child Protection Rider
  • Accidental Death Benefit

Flexibility - 9 / 10

AAA Life Insurance Company offers a standard number of optional riders depending on the policy you choose. Additional features include child term life insurance, accidental death, disability waiver of premium, return of premiums, travel accident insurance, and lifetime membership benefits.

Additional Company Information

Homepage URL
Company Phone
(800) 684-4222
Headquarters Address
17900 N Laurel Park Dr, Livonia, MI, 48152
Year Founded

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