AAA burial insurance is a very competitively priced guaranteed acceptance whole life policy with a two-year waiting period. Should you need or want a policy without health questions, AAA is probably your best option. Only Mutual of Omaha and Physicians Mutual offer comparable guaranteed issue policies at a similar cost.
However, most seniors can find a policy with another company that costs less and has immediate coverage for natural or accidental death. Unfortunately, AAA does not offer final expense coverage with no waiting period.
- You cannot be denied due to your health history.
- It’s often the lowest-priced guaranteed issue coverage compared to other insurance companies.
- Double death benefit payout for accidental death.
- Everyone has a 24-month waiting period.
- Customers often report that AAA did not inform them about the waiting period.
- Unless you have dire health issues, you can likely get a no-waiting-period burial insurance plan elsewhere that will also probably cost less.
AM Best’s Financial Strength Rating (FSR) is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. The scores range from A++ to D-.
Moody’s Investors Service rates the creditworthiness of companies. The Moody’s Rating Scale has 21 possible scores ranging from “Aaa” (highest mark) down to “C” (lowest mark).
S&P Global Inc. issues credit ratings on a scale from “AAA” (highest rating) to “D” (lowest rating).
The Complaint Index compares a company’s performance to other companies in the market. The National Complaint Index is always 1.00. That means a company with a complaint index of 2.00 is twice as high as expected in the market. Reported scores are for the most recently available year and for “Individual Life” products.
The BBB rating is based on information BBB is able to obtain about the business, including complaints received from the public. BBB seeks and uses information directly from businesses and from public data sources. BBB assigns ratings from A+ (highest) to F (lowest). If a business has been accredited by the BBB, it means BBB has determined that the business meets accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints.
How Does AAA Final Expense Insurance Work?
AAA final expense insurance is a guaranteed issue whole life insurance policy. There are no health questions, and no medical exam is required.
Per the product fact sheet on the AAA website, for the first 24 months, AAA will only refund you 130% of your premiums for non-accidental death. Like USAA burial insurance, you must live for at least two years for a AAA burial insurance plan to pay the full death benefit.
When you die, AAA will pay your beneficiaries cash (tax-free), which they can spend on anything, including funeral costs, medical or financial debts, or anything else.
The premiums never increase, the coverage won’t decrease, and it’s permanent lifelong coverage.
You can apply for their coverage by mail, online, or phone. Also, you will save about $60 per year if you’re an existing AAA member.
How Much Does AAA Burial Insurance Cost?
AAA burial insurance can cost as low as $21 or as high as $381 monthly, depending on your age, gender, and how much coverage you choose. Below is a rate chart with some sample prices.
| Age & Gender | $5,000 | $10,000 | $25,000 |
|---|---|---|---|
| Female age 45 | $27 | $46 | $93 |
| Male age 45 | $34 | $58 | $127 |
| Female age 50 | $27 | $46 | $93 |
| Male age 50 | $34 | $58 | $127 |
| Female age 55 | $27 | $46 | $93 |
| Male age 55 | $34 | $58 | $127 |
| Female age 60 | $27 | $48 | $107 |
| Male age 60 | $34 | $62 | $139 |
| Female age 65 | $31 | $55 | $128 |
| Male age 65 | $40 | $73 | $168 |
| Female age 70 | $41 | $76 | $174 |
| Male age 70 | $52 | $97 | $217 |
| Female age 75 | $54 | $102 | $228 |
| Male age 75 | $60 | $115 | $280 |
| Female age 80 | $74 | $118 | $274 |
| Male age 80 | $85 | $164 | $381 |
| Female age 85 | $74 | $118 | $274 |
| Male age 85 | $85 | $164 | $381 |
| Source for monthly prices: Choice Mutual quote calculator. Rates are calculated at a non-tobacco rating, rounded to the nearest dollar, and are valid as of 06/12/2025. | |||
Should You Buy AAA’s Final Expense Insurance?
AAA is a superior option if you need or prefer a policy requiring no exam or health questions. From a cost perspective, they are typically the cheapest for a guaranteed acceptance plan.
However, most seniors can absolutely qualify for a policy with no waiting period. You must answer health questions to do so but remember that most pre-existing conditions are indeed eligible for an immediate death benefit policy.
It’s advisable to consult with an independent agency so they can compare multiple burial insurance providers to find you one that will accept your health conditions and give you full first-day coverage.
Our Insurance Review Methodology
Every company we review has an overall score that illustrates how well it stands out in the market relative to its competitors. These scores are not subjective. Instead, we utilize a defined 5-star scoring system that applies a weighted average of particular factors, all of which are outlined below and on our review methodology page.
We measure the price of a company’s most popular they promote relative to its competitors. The closeness of their cost to other companies determines the final score. Read a full breakdown of the price of coverage factor on our review methodology page.
This factor assesses whether a company offers immediate coverage and, if so, how difficult it is to qualify for it. Read a full breakdown of the no waiting period coverage factor on our review methodology page.
A company’s financial strength is based on its rating with A.M. Best. Read a full breakdown of the financial strength factor on our review methodology page.
The National Association of Insurance Commissioners’ complaint index measures an insurer’s frequency of consumer complaints compared to the rest of the market. The score the insurer receives is based on how it stacks up to the median score of other insurers. Read a full breakdown of the NAIC complaint index factor on our review methodology page.
Why trust Choice Mutual?
When we review products, our findings are unbiased and free of any influence from partnerships or methods of compensation. All findings, good or bad, are solely the derivative of our objective analysis of any given product or company.
As noted on our review methodology page, our researchers evaluate the financial stability of the insurer, policy costs, product limitations, state availability, customer satisfaction, waiting periods (if applicable), and other relevant factors. We aggregate all this cumulative data to develop objective overall scores based on pre-defined weighted factors.
In addition, a qualified expert who is well-qualified to speak on the matter will provide opinion-based feedback about the company or product being reviewed.
For over a decade, Choice Mutual has been an insurance agency specializing in final expense life insurance. Our expertise in this type of insurance is well-documented in numerous authoritative publications, some of which are listed below:
Choice Mutual’s mission is to provide consumers with unbiased expert commentary and explanations of the topics being discussed. We want our readers to be armed with information and tools that cannot be found anywhere else on the internet, so they can truly make an informed decision.
All content on this website is written by Anthony Martin, who is a licensed life insurance agent with over a decade of expertise in this industry and has been quoted as an expert source hundreds of times by many reputable news outlets.
Per our editorial guidelines, we have never, and will never, use artificial intelligence to create our content. Every word printed on this website is produced and curated 100% by human beings who have firsthand experience with the subject matter.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
-
product fact sheet. https://www.aaalife.com/binaries/content/assets/fact-sheet/information-sheet_giwl_23821_082522.pdf
-
AAA website. https://www.aaalife.com/whole-life-insurance/guaranteed-issue-whole-life
-
A.M. Best. https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=7424&AltNum=21727424&AltSrc=3
-
BBB. https://www.bbb.org/us/mi/livonia/profile/life-insurance/aaa-life-insurance-company-0332-32019419
-
Trustpilot. https://www.trustpilot.com/review/aaalife.com
-
Google. https://www.google.com/search?client=firefox-b-1-d&q=aaa+life+Michigan#lrd=0x8824b27041bac465:0x353ccf886df6c7a5,1,,,,
-
Yelp. https://www.yelp.com/biz/aaa-life-insurance-livonia
-
NAIC Complaint Index. https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=71854&REALM=PROD&COCODE=71854&REALM=PROD
-
BBB Score & Accreditation. https://www.bbb.org/us/mi/livonia/profile/life-insurance/aaa-life-insurance-company-0332-32019419
