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Guaranteed Issue Whole Life

A convenient, guaranteed-issue policy designed to help protect those you care about most. Guaranteed whole life insurance can get you the coverage you need.
  • Up to $25,000 in benefits
  • Guaranteed acceptance between the ages of 45 and 85
  • Premiums never go up and benefits never go down
  • No medical exam required

Get covered
Secure coverage for $30/month

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Are you a AAA member or the spouse of a member?

You don't need to be a AAA member to apply for life insurance. However, members of AAA receive some perks - learn more about joining AAA.

Are you replacing an existing policy?

Do you have a policy with another insurance company that this new policy will be replacing?

Choose a Term Life product:

ExpressTerm

  •   $25,000 to $500,000 in coverage
  •   10, 15, 20, or 30-year term
  •   Apply and buy online

Traditional Term

  •   $50,000 to $5,000,000 in coverage
  •   10, 15, 20, 25, or 30-year term
  •   Apply and buy with an agent
Select your desired amount of coverage:
COVERAGE AMOUNT MONTHLY PAYMENT

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Is this right for me?

This is a great fit if:

  • You need help covering final expenses
  • You want a quick and easy acceptance process, without medical questions or exams
  • You want a policy that builds cash value over time
  • You have experienced trouble getting approved for other forms of life insurance

Consider other options if:

  • You need more than $25,000 in coverage. If that’s the case, explore Lifetime Universal Life to see if that fits your financial needs
  • You’re under age 45 and want permanent coverage. If so, Accumulator Universal Life might be a better fit
  • You want coverage that lasts for a shorter period of time. In this instance, Traditional Term could suit your needs

Why AAA Life?

Since 1969, AAA Life has been a trusted partner to be there for life’s moments. With 1.9 million active policyholders, AAA Life understands the desire to find solutions for your unique needs so you don’t need to do it alone.

Knowledge Center

Term vs. Permanent

Video: What Kind of Life Insurance Do I Need?

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What to know

6 Questions to Ask Yourself Before Buying Life Insurance

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Myth vs. Fact

Don’t Fall for These 7 Life Insurance Myths

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Frequently Asked Questions

Guaranteed issue whole life insurance is generally best for older adults or those who may not qualify for traditional or simplified issue life insurance due to health history.

No medical exams or health questionnaires are required for guaranteed issue whole life insurance.

The cost of a guaranteed issue whole life insurance policy varies based on several factors such as a person’s age, coverage amount, and gender.

After you apply for guaranteed issue whole life insurance your acceptance is guaranteed, with coverage starting as soon as your first premium is paid.

As long as you pay your premium, coverage will last your entire life. And at age 100, you coverage stays in effect but you no longer have to pay your premium.

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