We have been able to find out that most people who are alive do not really understand the importance of Life Insurance while a lot more others do not know how to get the necessary information they need, that’s why this article is a must-read to the end cos it contains a detailed vital information about AAA Life Insurance Rates, Online Login bill payment, and much more. The (American Automobile Association) AAA Life Insurance company offers a variety of terms which is Whole and Universal life insurance option to fit both you and your family’s specific needs. All of it’s universal and whole life insurance policies provide you with lifetime coverage and cash value that builds up throughout the life of your policy.
Find out how you can get over $5 million in coverage to secure your family’s future. You can also get cash value accumulation by going with the traditional term with returns of premium, in which all premiums are returned to you at the end of your term period. You don’t necessarily have to be an AAA member to qualify for many of the plans they offer, although there is a discount if you are.
Importance Of Life Insurance
Life insurance pays out after your death to the people you designated as beneficiaries which are usually children, a spouse or other family members.
It is a very important safety net if anyone depends on you financially. It feels good to know that life insurance payout can pay debts such as a mortgage, replace your income and provide college tuition funds and other expenses
NOTE THAT Permanent Life Insurance is more costly than term, but it offers more features as well. Permanent Life Insurance offers additional features like cash value that you can borrow against and it grows over time.
WHOLE LIFE is the best-known form of permanent life insurance. Other types include Universal, Variable and Variable Universal.
AAA Life Insurance Coverage Options
AAA Life Insurance company offers the following Insurance coverage option below.
- Term Life Insurance
- WHOLE Life Insurance
- Universal Life Insurance
What Rider Can You Add To Your Life Insurance Policy?
With AAA Life insurance, you can very well customize your policy with the following riders below.
- Child Term can provide life insurance coverage to your children instead of having to take out separate policies for them.
- Disability Waiver Of Premium: if you become disabled, this Disability Waiver Of Premium pays for your life insurance payment so that you don’t lose your policies.
- Travel Accident: Your beneficiary gets an additional payment if you become seriously injured in a traffic accident or while traveling as a passenger, even in the case of death.
- Guaranteed Purchase Option: If you decide you want your coverage to be increased later, you can do so without having to show your proof of insurability.
- Accidental Death: An additional payment goes to your beneficiary if you are involved in a fatal accident
How To File Insurance Claim With AAA Life Insurance
Do you want to file a life insurance claim with AAA Life Insurance, in order to do that, you will need to send a notification of that claim by mail, fax or email. Check below for the appropriate address of each of them
- By Mail: AAA Life Insurance Company 17900 N. laurel Park Drive, Livonia, MI 48152.
- By Email: Claimssvc@aaalife.com
- By Fax: 888-223-1509
AAA Life Insurance Rates And BBB Grades
AAA Life Insurance is considered to be financially strong and stable, so because of that, it is highly rated in the industry with the rating of A-(Excellent) by A.M. best which is the fourth-highest rating out of a possible 16.
The company is not an accredited member of the Better Business Bureau (BBB) nor has it been provided with a letter grade between A+ and F. However, over the past three years, AAA Life Insurance company has closed a total of 18 complaints through the BBB.
Of these 18 total complaints, eight had to do with the problem of the company’s products or service while another five were regarding advertising/sales issues, and yet another five were in regard to billing and collection issues.
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AAA Life Insurance Rates – Getting A Low Rate
Your premium is determined by your age, health, lifestyle, occupation, and hobbies, as well as the length and face amount of your policy. The least risky applicant gets, the best rates. Its underwriting considers the following below
- Frequent tobacco use
- Certain medical condition in your family history
- His alcohol or controlled substance abuse
- High blood pressure or BMI
- High-risk hobbies or occupation
- DWIs or DUIs on your driving record
AAA Life Insurance For Menber Enrollment
AAA Life Insurance Uses data encryption and SSL protocol to safeguard your data. Also, it continually monitors it’s computer network and tests the strength of its security. So for your own good, Sign Up today and become a member by following the steps below.
- To apply for Express Term Life, go to AAA Life Insurance Term Life Insurance Home Page at https://www.aaalife.com/
- Click on Get a Quote & Buy
- Enter your zip code and select your gender
- Your date of birth, and email address and click Next
- On the next page enter your height, weight, nicotine use, coverage amount and the length of term
- Click on See Your Quote and you will be presented with a quote
- If you are OK with the terms of the policy, then you can purchase the policy by clicking on BUY NOW
- Follow prompts by answering questions and providing information as prompted to complete application
Other Required Information For Sign UP Includes
- YOUR PAYMENT INFORMATION ( bank account or credit card number)
- YOUR AAA MEMBERSHIP NUMBER ( If applicable)
- YOUR DRIVER’S LICENSE OR GOVERNMENT ID NUMBER
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