Life Insurance And Classic Aaa Membership: What's The Link?

AAA is well-known for its roadside assistance program, which includes towing, fuel delivery, and battery services. However, AAA membership offers a range of additional benefits beyond roadside assistance. These benefits vary based on membership tiers and regional clubs, but they often include discounts on travel, entertainment, and auto repairs, as well as access to insurance options such as life insurance. AAA Life Insurance Company offers various plans, including whole life insurance, universal life insurance, and term life insurance. While AAA membership is not required to purchase life insurance, members can enjoy exclusive benefits and discounts, such as a waived annual policy fee on guaranteed issue whole life policies and a 10% discount on term life policy premiums.

AAA Classic Membership benefits

AAA Classic Membership comes with a host of benefits for motorists, including:

24/7 Roadside Assistance

Members can access legendary 24/7 roadside assistance, including towing, battery, and gas services. This covers up to four service calls per member each year, with 5 miles of standard towing (including bicycles) and emergency fuel delivery (members just pay for the fuel).

Discounts and Rewards

AAA Classic Membership offers exclusive savings and discounts at over 100,000 locations, including hotels, restaurants, and entertainment venues. Members can also take advantage of discounts on gas through the Fuel Rewards® partner program. Additionally, members can save 10% on labour at AAA-approved auto repair shops, with repairs guaranteed for 24 months or 24,000 miles.

Travel Services

AAA provides full-service travel planning and exclusive deals for members, including expert travel agents to help plan vacations, cruises, or getaways. Members also have access to Hertz Gold Plus rewards membership, which offers a complimentary additional driver on rentals.

Identity Theft Protection

Basic-level identity theft monitoring and alerts are included with the option to upgrade for more protection at a discount.

DMV/MVD Services

Select DMV/MVD services are available, including notary services, passport photos, and international driving permits.

Insurance Services

AAA Classic Membership provides access to experienced insurance agents in most AAA branches. While AAA does offer various insurance products, including life insurance, it is not automatically included in the Classic Membership benefits.

In summary, AAA Classic Membership offers a wide range of benefits designed to provide peace of mind for motorists, travellers, and their families, with additional perks that enhance the overall value of the membership.

AAA Life Insurance

In addition to accident insurance, AAA members can also take advantage of discounts on life insurance policies. AAA Life Insurance waives the $60 annual policy fee on a guaranteed issue whole life policy for members, and members are also eligible for a 10% discount on their premium payments with term life policies. This can result in significant savings, potentially offsetting a large portion of the annual membership cost.

AAA membership provides access to a range of benefits beyond insurance, including legendary roadside assistance, travel perks, discounts at restaurants and local businesses, and financial services. The specific benefits offered can vary depending on the membership tier and regional club. AAA has three membership tiers: Classic, Plus, and Premier, each offering different levels of benefits and services.

The Classic Membership, for example, provides 24/7 roadside assistance, including towing, battery, and fuel services, as well as exclusive savings on hotels, entertainment, and rental cars. The Premier Membership offers enhanced travel coverage, including trip interruption and delay coverage, lost baggage coverage, travel accident insurance, and emergency medical transportation coverage.

AAA Accident Insurance

AAA Classic Membership provides access to a range of benefits, including 24/7 roadside assistance, emergency fuel delivery, towing, battery, and gas services. However, life insurance is not included as a standard benefit with a classic AAA membership.

AAA does offer life insurance as a separate product, and members can also purchase accident insurance, which provides additional coverage in the event of an accident. This coverage includes cash benefits for hospital stays, recuperation, emergency room visits, and even loss of life.

AAA's accident insurance is designed to help members get back on their feet financially after an accident. It offers guaranteed acceptance coverage for AAA members, with benefits for medical care and loss of life. There are no health exams or medical questions required to enroll in accident insurance.

The benefits of AAA accident insurance grow with the member's years of AAA membership. Coverage starts immediately and is effective worldwide. AAA members who have been members for five years or more are eligible for the Premier benefits level, which includes higher cash benefits for hospital stays, recuperation, and emergency room visits.

In addition to accident insurance, AAA also offers whole life insurance and universal life insurance, providing comprehensive protection for members and their families.

AAA Membership tiers

AAA Memberships come in three tiers: Classic, Plus, and Premier. Each plan offers unique services, products, and benefits.

Classic Membership

The Classic membership plan provides essential benefits, including 24/7 roadside assistance, accident protection, travel assistance, and other perks. This includes up to 5 miles of free towing (4 times per year), free jumpstart for a dead battery, free flat tire removal and spare installation, and free emergency fuel deliveries (you pay the pump price for fuel). Classic members also get up to $50 coverage for vehicle entry services, extraction service with up to one truck and driver, and assistance for bicycle breakdowns.

The Classic plan also includes trip interruption protection coverage, which reimburses you for lodging, food, and other expenses up to $200 when your car breaks down more than 100 miles away from home. Classic members can also take advantage of identity theft protection through Experian's ProtectMyID service, which is included for free.

In terms of discounts, the Classic plan offers savings at hotels, supermarkets, restaurants, retail stores, and theme parks. Additionally, members receive 20% off Hertz rental cars and a free Hertz Gold Plus Rewards membership.

Plus Membership

The Plus membership is the most popular plan, offering valuable extras beyond the Classic coverage. In addition to all the benefits of the Classic plan, Plus members enjoy up to 100 miles of free towing (4 times per year), free fuel delivery service (including the cost of fuel and delivery), up to $100 coverage for vehicle entry services, and extraction service with up to two trucks and drivers.

Plus members also receive Automobile Accident Protection for up to $600 and RV and Motorcycle Assistance.

Premier Membership

The Premier membership is the highest level of AAA perks, including everything from the Plus plan and more. Premier members receive up to 200 miles of free towing (once per year, with the other 3 tows limited to 100 miles), Automobile Accident Protection for up to $1,500, up to $100 reimbursement for home lockout services, a free one-day emergency car rental, and vehicle return protection for up to $500.

Premier members also enjoy free concierge services in the US and internationally, as well as Travel Emergency and Medical Assistance services, which include emergency medical transportation, medical provider referrals, translation services, and prescription replacement.

The Premier plan also includes extended coverage for RVs, motor homes, motorcycles, and more.

AAA Insurance options

AAA offers a range of insurance options to its members, including life insurance. Here is an overview of the insurance choices available through AAA:

• Life Insurance: AAA provides life insurance options such as whole life insurance and universal life insurance. The Member Loyalty Accident Insurance plan offers exclusive coverage for AAA members and their families, including cash benefits for hospital stays, recuperation, emergency room visits, and loss of life. AAA also offers other life insurance plans like Simple Whole Life and Traditional Term Life.
• Auto Insurance: AAA offers auto insurance for cars, motorcycles, and RVs, backed by their extensive experience in roadside assistance and troubleshooting. They provide coverage for various vehicles, including motorhomes, travel trailers, and campers.
• Home Insurance: AAA offers home insurance policies and supplemental coverage for homeowners, condo owners, mobile home owners, renters, and landlords. Their home insurance includes protection against natural disasters like earthquakes and floods to safeguard your home and belongings.
• Commercial and Business Insurance: AAA provides competitive rates on commercial auto insurance, workers' compensation, general liability insurance, and other business insurance options to help protect your company.
• Additional Insurance Options: AAA also offers insurance for pets, boats, mobile homes, motorcycles, and RVs. They provide exclusive insurance plans in partnership with Allianz Global Assistance, covering unexpected cancellations, delays, medical emergencies, and more.

AAA members can save 5% on insurance premiums and enjoy additional benefits such as self-serve online tools, personalized service from experienced agents, and fast responses to customer service and claims requests.

Frequently asked questions