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AAA life insurance review and ratings 2025

AAA is No. 14 in our Best Life Insurance Companies ranking of 2025, earning 4.15 out of 5 possible stars.

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Our take

AAA came in 14th place in our Best Life Insurance Companies ranking for 2025, scoring 4.15 out of 5 possible stars. Customers we surveyed ranked it highly for satisfaction with policy offerings and billing processes. Around 96% of surveyed customers consider AAA to be a trustworthy company. 

When policyholders file complaints against insurance companies to state regulators, the National Association of Insurance Commissioners (NAIC) logs those complaints. AAA had more complaints with the NAIC than other companies that made our ranking. It earned a financial stability rating of A (Excellent) from AM Best.
Below is our review of the full company and its line of life insurance products. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

AAA Life Insurnace Company
AAA Ratings
Overall Rating: 4.15
Ease of service: 4.17
NAIC: 2.69
Customer Satisfaction: 3.98
AM Best Rating: A
Effective date:

Pros and Cons

Pros:
  • A grade from AM Best
  • The majority of surveyed customers rated the company as trustworthy
Cons:
  • More NAIC complaints than competitors
  • Other companies were more likely to be recommended by customers
  • Higher-than-average annual premiums

How AAA scores on customer satisfaction

Around 80% of surveyed customers said they’d recommend AAA, which is about average. Among the companies that made our ranking, Guardian scored the highest in this category. 

CompanyPercent of customers that are satisfiedJ.D. Power overall satisfaction score (out of 1,000)
AAA80%N/A
Brighthouse86%644
Mutual of Omaha72%659
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How much does AAA cost? 

AAA charges an average of $385 per year for a term life insurance policy, slightly more expensive than the nationwide average of $377. This rate is based on a 20-year term policy for a 35-year-old non-smoker with a $500,000 death benefit. 

CompanyAverage annual premium
AAA$385
Prudential$361
AIG$278

How AAA scores on ease of service

For ease of service – a metric that looks at how easy it is for customers to access services –  83% of AAA customers gave it a high mark.

CompanyPercent of respondents that are satisfied with ease of service
AAA83%
AIG90%
MassMutual71%

How AAA scores on policy offerings

Consumers typically want a company to offer a broad range of policies so that they can find the one that fits their needs. In the survey, 85% of AAA customers said they were satisfied with AAA’s policy offerings. 

Of the 16 companies that made our best analysis, Guardian scored the highest in this category

CompanyPercent of respondents satisfied with the company’s policy offerings
AAA85%
Amica87%
Prudential78%

How trustworthy is AAA?

Most AAA customers consider the company trustworthy, with 96% giving it high marks. Northwestern Mutual led in this category with a score of 100%

CompanyPercent of survey respondents who find the company trustworthy
AAA96%
Gerber Life91%
Globe Life86%

Do AAA customers plan to renew? 

In our survey, around 93% of AAA customers said they plan to renew their policy with the insurer. Lincoln Financial, Mutual of Omaha, Northwestern Mutual, and Prudential led this category with scores of 100%. 

CompanyPercent of survey respondents who plan to renew
AAA93%
Brighthouse81%
Allstate89%

AAA product details

Other services offered

  • Accident insurance
  • Annuities
  • Auto services
  • Financial services

States where AAA offers coverage

Graph
Table
States where AAA offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wisconsin
Wyoming
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Available
Not available

Note: AAA life insurance is available in every state except New York. Coverage and product availability can vary by location.

Company background

AAA Life Insurnace Company

AAA Insurance became a part of the American Automobile Association family in 1969. It offers both life insurance products and annuities and is headquartered in Livonia, Michigan.

Resources and Methodology

Sources:

J.D. Power. “Individual Life Insurance Study.” Accessed March 2025.

Methodology

Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (973 people with life insurance). The survey was conducted by online market research company Slice MR.

Respondents were asked to name their life insurer and then grade it in the following categories: 

  • Customer satisfaction
  • Ease of service
  • Policy offerings
  • Billing process
  • Adding policy riders
  • Seniors/older adults
  • Middle-aged adults
  • Young people
  • Term life policies
  • Whole life policies
  • People with pre-existing conditions
  • People who are overweight
  • People who don’t want to take a medical exam

The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:

  1. I plan to keep my coverage with my current life insurance company
  2. I would recommend my life insurance company to others
  3. I trust my life insurance company

The percentage of respondents who said yes is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.

They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.They also collected insurance rate data from Compulife.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For life insurers, we took the following and gave each a weight.

  • Survey: 60% of the total score (10% customer satisfaction, 10% ease of service, 10% policy offerings, 10% recommended, 10% policy retention and 10% trust)
  • AM Best: 25% of total score
  • NAIC: 15% of total score

Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.

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Kara McGinley

 
  

Kara McGinley has over 6 years of experience writing, editing, and reporting on insurance and the insurance industry. She's been a licensed property and casualty expert in New York since 2021. Kara has been featured in several national publications, including USA TODAY, MSN, LifeHacker, Kiplinger, PropertyCasualty360, Policygenius, Rental Housing Journal, and WRAL.

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