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Are you considering AAA burial whole life insurance?

Here’s a quick preview of the many flaws with their coverage: They give everyone a 24-month waiting period.

This article breaks down how their coverage works, pros & cons, and how you can get a no waiting period policy.

How does AAA burial insurance work?

AAA final expense insurance is a guaranteed issue whole life insurance policy. There are no health questions or exams. Because approval is guaranteed, all applicants are subject to a 24-month waiting period. For the first 24 months, they will only refund you 130% of your premiums for non-accidental death.

You must live at least two years for a AAA burial insurance plan to pay out the full death benefit. The only exception to the 24-month waiting period is accidental death. Even during the waiting period, the full death benefit will payout if you die from an accident.

According to AAA, here are all the pertinent policy details and limitations at a glance:

  • Whole life insurance contract
  • Premiums stay the same
  • Coverage doesn’t decrease
  • Policy won’t expire due to age
  • 24-month waiting period for nonaccidental death
  • No health questions or exams
  • Refunds 130% of premiums during the waiting period
  • AAA membership is not required to apply
  • Accidental death doubles the death benefit payout
  • Available in all states except NY
  • Ages 45-85 can apply
  • Coverage options are $5K, $10K, $15K, $20K, $25K

You can apply for their coverage through the mail, online, or by calling them. If you’re an existing AAA member, you will save about $60 per year (except in North Dakota).

Lastly, since the policy is a whole life insurance contract, it will build cash value over time. You are free to borrow from the cash value that accumulates (all companies allow that).


How does this AAA funeral insurance plan compare to other providers?

Truthfully, if you need or want a guaranteed acceptance policy, AAA’s burial insurance is the best one on the market. However, it’s highly advisable that you try to get a policy with immediate coverage first. If you cannot qualify for a no waiting period plan, buy guaranteed acceptance coverage.


Pros & cons

Every final expense insurance plan (no matter which company you are considering) has pros and cons. No matter how great a company is, there’s always bad that comes with the good.

AAA’s final expense insurance is no exception to that rule. Below are some of the pros and cons of their burial insurance coverage.


Guaranteed acceptanceEveryone gets a 24-month waiting period
Often is the lowest priced guaranteed issue
coverage compared to other insurance companies
You can get much lower prices from other companies
unless you have very severe health issues
Accepts new applicants as old as 85Coverage options are limited to increments of $5,000
(For example, you cannot buy $12,000 in coverage)
Available in nearly all states
(NY is the only place you cannot buy it)
Will not allow an alternate owner in the application
(this is a big issue for anyone receiving Medicaid)
AAA has strong financial ratingsA high number of complaints and poor customers
ratings, according to BBB.
Double death payout for accidental deathOnly refunds premiums plus interest if you die
from natural causes in the first two years.
Highest return of premium refund when
non-accidental death occurs in the first 24 months
Unless you have dire health issues, you can likely
get a plan with no waiting period elsewhere.


How much does AAA final expense insurance cost?

First, it’s helpful to understand that AAA calculates their funeral insurance prices using an age bracket system.

They set one price for anyone who falls into one of their brackets. For example, anyone 45-63 will be the same price.

AAA is unique because most burial insurance for the elderly is not priced this way.

In the table below, you can see the monthly cost of their coverage.

Age BracketFemale $10,000
In Coverage
Male $10,000
In Coverage
Female $20,000
In Coverage
Male $20,000
In Coverage


When should you buy AAA’s burial insurance?

Whether you should or should not buy their coverage is a subjective decision. Everyone has unique circumstances, so there is no way to definitively make a judgment call that equally applies to all individuals.

The list below is a reasonably safe breakdown of when AAA’s burial coverage is an excellent option to pursue.

If you don’t identify with any of the following circumstances, you very likely should not buy their coverage.

Instead, you should seek out a plan where you do complete a health questionnaire in the application. That will lead to a lower monthly cost and a policy covering you immediately versus waiting two years to be insured.

  • A 24-month waiting period doesn’t bother you, and you would prefer not to answer health questions even if it means a more expensive price tag.
  • Cancer or treatment for cancer in the last 12 months
  • Dialysis
  • HIV or AIDS
  • Recommended to have a transplant
  • Used illegal drugs (except marijuana) within the last 12 months
  • Treated for alcohol or drug about in the last 12 months
  • Terminal illness
  • Wheelchair usage due to an illness (if it’s due to an injury, that is ok)
  • Bedridden
  • Hospitalized or in a rehab facility
  • Oxygen to assist with breathing
  • Nursing home confinement
  • Heart attack or stroke within the last 12 months
  • Heart or circulatory surgery within the last 12 months

Unsure about your situation? Call us at 1-800-644-2926, and one of our friendly agents will advise about which burial insurance company is your best choice.


How to get final expense insurance with no waiting period

First, any plan from any company that does not require you to answer health or lifestyle questions will always subject you to a 24-36 month waiting period.

There are no exceptions to that rule.

Getting a life insurance policy that provides coverage immediately is quite simple.

To get a no waiting period policy, you must apply for a plan where you do answer health questions, and the company subsequently approves you.

A medical exam is not required, but you will have to complete a health questionnaire.

Here is another thing to keep in mind.

Many insurance companies offer no waiting period coverage. All of them only sell their no waiting period coverage through licensed agencies. They do not sell it directly.

If you call them directly, they will merely tell you to find an agency licensed to sell their products.

But here is the good news.

Choice Mutual is a nationally licensed independent insurance agency. We represent over 15 different final expense insurance companies.

If you want a plan with immediate coverage, we can help. We can get help get final expense insurance for seniors over 80.

Call us, and we’ll figure out very quickly which companies, if any, will approve you for an immediate benefit plan. We’ll answer all your questions, recommend the best option, and hold your hand through the entire application process.

Feel free to browse the hundreds of positive 5-star reviews online. You can call us at 1-800-644-2926.

AAA life insurance company background

It’s common to associate AAA with their flagship roadside service. That’s genuinely what they are most known for. However, they started offering life insurance in 1969.

According to the AAA life website, as of August 2021, they have an A rating with A.M. Best.

Typically, they market this product online and through direct mail. However, AAA final expense whole life insurance is also sold by some insurance agencies.

For example, Ethos final expense insurance is one such agency that sells AAA’s guaranteed issue coverage.

Below is all their contact info:

  • Headquarters: 17900 N Laurel Park Dr, Livonia, MI 48152
  • Customer service phone: 800-684-4222
  • Website: