Life Insurance


Let AAA Protect Your Future

If something were to happen to you, would your family be financially secure? Learn more below about which type of life, annuity or long-term-care coverage is right for you, and contact an agent today. You’ll love the peace of mind that comes with knowing your family will be safe.

TERM LIFE INSURANCE from AAA Life Insurance Company

Term life insurance provides you with protection to cover a specified period of time. It generally provides the most coverage for the lowest cost. With term life insurance, you can have peace of mind knowing your loved ones are protected if something happens to you during the term period.

AAA Life Insurance

Term life is often a good choice for:

  • Newlyweds and families on a limited budget.
  • People looking to cover time-sensitive needs like a mortgage or college education.
  • Employees who need more protection than what they get at work.

AAA Life offers two types of term life insurance: Traditional Term and ExpressTerm.

Traditional Term Life Insurance


Express Term Life

Offers valuable coverage that you can purchase with the help of an agent.2


Offers the opportunity to purchase term life insurance completely online.2

Guaranteed level payments1


Term lengths: 10, 15, 20, 25, and 30 years

Affordable coverage(Requires a medical exam)


Guaranteed level payments1

Coverage ranges from $100,000 to $5 million+


Convenient coverage(No medical exam, just health questions2)

Work with a AAA Life Insurance Specialist to help advise throughout your application process


Coverage ranges from $25,000 to $250,000





Or call 1-877-222-4678 to speak to a Life Insurance Specialist today.

1Premiums will increase annually after the level term period, not to exceed the maximum stated in the policy. 2Term life insurance approval is determined by responses to health questions on the application and other information we may obtain with your permission. Not all applicants will qualify. Coverage amounts and rates may vary. Coverage ends at age 95. Coverage will be in effect once approved and payment is received. Life insurance underwritten by our affiliate, AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states except NY. Products and their features may not be available in all states. This is a brief summary/outline of coverage and does not contain all of the benefits and exclusions. For complete terms of coverage, please refer to the Policy. AAA Life CA Certificate of Authority #07861. Policy Form Series: ICC11-1201/TL-1201, ICC12-1301.TL-1301. ALAN-22355-N15-XX


TERM LIFE INSURANCE by Legal & General America

AAA Washington has partnered with Legal & General America to provide affordable life insurance combined with an easy online tool called Quotes Done Right.

Legal & General

You can complete needs analysis, answer health underwriting questions, and get a term life insurance quote in just a few minutes. If satisfied, submit your name, phone, email, and select a date/time to speak with an experienced life insurance advisor.


Why buy term life insurance?

One of the biggest advantages of term insurance is its lower initial cost in comparison to permanent insurance. With term insurance, you're generally just paying for the death benefit, the lump sum payment your beneficiaries will receive if you die while the policy is in force. With most permanent policies, your premiums may accumulate cash value in addition to paying for lifetime coverage.  

Why buy from Legal & General America?

The Legal & General America companies are Banner Life Insurance Company and its subsidiary William Penn Life Insurance Company of New York. Banne has been part of Legal & General Group Plc since 1981; William Penn since 1989. For more than 60 years, we’ve been in the business of providing financial protection through life insurance for American families from coast to coast. Keeping life insurance affordable and providing high quality, efficient customer service are just the fundamentals for us. Legal & General America is financially strong, fiscally responsible and committed to the business practices that will allow us to keep our promises to you.

Legal & General America Financial Strength Ratings:

AM Best Rating: A+
Standard & Poor's Rating: AA-
Comdex Rating: 96
Click here to read more about the financial strength of Legal & General America.

AAA Life and Retirement Services

Rob Thompson, Jon Erickson, Loreen Leo and Tim Adkisson

In addition to excellent auto and home coverage, AAA Washington Insurance Agency also offers a variety of life insurance and annuity services. This is just a brief introduction to some of our most important offerings; however, these products are complex, so it is important to talk with one of our knowledgeable, experienced financial professionals. They understand the nuances of each carrier’s pricing and products, and can assist you with finding just the right coverage for your unique needs.

Have more questions?

AAA Life and Annuity Services is our back office team of 4 financial Professionals Dedicated to giving you the best prices or products out there.  You are welcome to call them at 855-581-4799 or email them at

AAA Washington is contracted with multiple carriers that are rated A- or better by AM Best. We have ex-perienced financial professionals that understand the nuances each carrier has with regards to pricing and placing new business for life insurance, annuities and disability.  We look at each client individually. We review and analyze their life situation in an effort to advise them on the best coverage and pricing availa-ble. We work with carriers that provide real value. This may be in the form of added benefits, conversion privileges, underwriting niches, living benefits, income riders, pricing, and many more. We meet with the carrier representatives on a regular basis to keep abreast of new innovations and product offerings. Our goal is to provide the best options to AAA members available while at the same time working with the best and most respected carriers in the market.

Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Garden City, NY.  Banner products are distributed in 49 states and in DC. William Penn products are available exclusively in New York; Banner does not solicit business there. Banner OPTerm policy form # ICC12OPTN and state variations.  In New York, OPTerm policy form # OPTN-NY. Premiums are guaranteed to stay level for the initial term period and increase annually thereafter. Premiums quoted include $60 annual policy fee. Two-year contestability and suicide provisions apply. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. 14-XXX