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2.3 3 Reviews

AA Life Insurance Complaints Summary

1 Resolved
2 Unresolved
Our verdict: Engaging with AA Life Insurance, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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ComplaintsBoard
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2:25 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

AA Life Insurance Hospital Plan - Awful, Unresponsive

My 97 year old mother purchased a hospital plan fro AAA Life Insurance Company and passed away April 1st 2016. I contacted AAA to cancel the policy and stop the auto-deduct from her checking account and request a refund of premiums after February, 2016. I sent them all documentation including a copy of my POA and a copy of her death certificate May 12, 2016. I sent the May 12th letter to them with all documentation, a follow-up letter June 23rd and now a July 18th letter. AAA has been completely unresponsive and continues to make auto-deducts from her account. I was forced to put a stop on further withdrawals at the bank. Perhaps the 3rd letter sent to them will receive a response. VERY DIFFICULT COMPANY...POOR CUSTOMER SERVICE.

Read full review of AA Life Insurance and 1 comment
Update by coolest1
Jul 29, 2016 6:47 pm EDT

As a follow-up to my comments made 21 July, 2016, I would like to update the status of communications with AAA Life Insurance Company concerning a Hospital Plan policy for my mother. AAA Life Insurance Company sent a letter advising that my mother's Hospital Plan policy has been closed and a check was enclosed for the premium overpayments. Thank you for your efforts on behalf of a long time customer.

Update by coolest1
Jul 21, 2016 8:56 am EDT

Gentlemen,
In deference to your July 19th comments, I immediately forwarded a certified copy of my mother's death certificate to AAA Life Insurance Company requesting that her account be closed. The documentation should have been sufficient verification to close the account and discontinue auto-deduct monthly premiums. If AAA Life Insurance Company would have contacted me, I would have advised them that I am the Trustee of my mother's estate. As you should know, Trusts do not process through probate only Wills requires probate. Life Insurance is usually outside of both Wills and Trusts. However, mother did not have a Life Insurance policy with AAA, rather a Hospital policy without postmortem benefits. I'm not requesting any sort of benefit, merely to close the account and return premium overpayments. Further, I am Joint Owner of my mother's bank account and I have blocked AAA from further auto-deduct premium withdrawals. I assumed that an ethical company would respond to three (3) letters, perhaps requesting additional information. I forwarded three (3) letters to AAA Life Insurance Company validating my mother's death and requesting to close her account and return premium overpayments. At minimum, AAA should have responded by requesting verification I was Executor/Trustee of her estate, etc. It appears that this tactic is a way to delay, obfuscate and misdirect instead of dealing with valid customer communications. Gentlemen, I would simply like to close my mother's account and request that AAA Life Insurance Company return premium overpayments. If AAA needs additional information from me, then let me know what is required. Is that too much to ask?

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Wine Is Good
Wine Is Good
, US
Jul 19, 2016 7:50 pm EDT

Your POA is invalid as it automatically expired upon the death of the person who issued it. All creditors and person's who are owed money must now converse with the executor of the estate. If that is not you, then legally, no one can even speak to you, not even the bank. You need to find out who the executor is and defer all tasks to them, or file with probate court to be made executor by a judge.

I am confused as to how the bank even spoke to you after the death unless you were on the account. Legally, they can not.

ComplaintsBoard
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2:17 pm EST

AA Life Insurance Travel Insurance

I called to get a sample copy of the AAA Travel Insurance policy, as all policies have clauses that exclude specific actions for eligibility. All I had was the sales document promising the world. Rather than signing up, sending in money and then finding out it is too restrictive and then trying to get my money back, I prefer to look and see before jumping. Rip off companies prefer, like sheep, we just follow what they want us to do. I asked to speak to a supervisor. Cynthia said the supervisor could do nothing. I told her 3 times to get a supervisor or I would write the CEO and let him know of her intent to restrict access. After about 8 minutes someone named Kenvi came to the phone. She said the same thing but added the policy would not be accurate because they did not have my info, name address, etc. I explained that 90% of all insurance policies are boiler plate and that's what I wanted to see. If the policy says, "We cover you for traveling on a bus except if the bus is hit in the front but the policy holder is in the back of the bus, then we don't cover for hospitalization, " that would be kind of important. She said she could not do it. I will write to AAA and tell them to take me off their list to receive garbage like this from boiler room operations.

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6:00 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

AA Life Insurance Awful, awful, awful

We lost our dad on 10 / 7 / 08, our mother filed a claim. Our mother passed on 10 / 30 / 08 one day before before the check arrived for our dad. Aaa stopped payment on the check. I told them we needed that money to bury our mother, and that i will sue them if we have to keep our mother out until they re - issue a check to the estate. So the manager who it took, several phone call to speak to. Told me that as soon as i could get my sibling to file for her benefits they would send the check. The check they sent was for her policy which we received on 11 / 07 / 08. She told me my father check would have to got to probate. Because my mother passed away, my sister and myself was given power of attorney over her affairs. I called the bank and told them she passed and if i could just sign the check with my and poa and deposit it they said yes. My parent filed bankruptcy and owed no one, did not own a home car paid off which i told them. So now we have to to go through probate and hire a attorney for nothing.

This does not make sense to me. So i ask why pay off for the person who was a rider on a policy and send the money for the policy holder to probate? If my mother would have passed away a week later then they would not have had to pay us for her policy. They refuse to give me the name of the manager boss or if they had a complaint department.

Read full review of AA Life Insurance and 24 comments
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GlenjG
, US
Apr 03, 2021 10:10 pm EDT

I am a previous AAA Homeowner policyholder. Although my neighbors(plural) had hail damage to their roof AAA didn’t find hail damage to my roof(although a roofer told me it had hail damage).
I now understand their commercial, “saving money is just as important to us as...”. How do they save money? Don’t pay out claims.

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Be-miffed
, US
Aug 19, 2019 3:54 pm EDT

Has it not gotten bad enough for your congressman/woman to step in. I was about to send in for my third year of this AAA accidental life, but now that I have absorbed all of this FROM ALL OF YOU..., me thinks NOT! FOR GOODNESS SAKE, THEIR SITE WONT'T OPEN UP.

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Kansas City LR
, US
Jan 29, 2017 11:01 am EST
Verified customer This comment was posted by a verified customer. Learn more

This Company is AWFUL, doesn't act on "good faith" and are not compassionate as they "quote" to be in unforseen, uncontrollable situations.
I filed a claim for my mother's life insurance after her death and AAA sent me a denial letter. My mother missed 1 payment after her grace period. However when I called to file the claim, one of their representatives stated that she had a 60 day grace period, they can pull the phone call records as proof. However in the denial letter, they stated that her grace period ended on October 4th. They claim that they never received any other payment but my mother had automatic payment for AAA insurance, so I don't know how they did not get a payment. I explained to them that my mother fell ill "suddenly" and went to the hospital to the emergency room in an ambulance early October around the 9th. She has been sick and unable to care for herself since the beginning of October before finally being rushed to the hospital. She was found on the floor by a family member. When I explained this to AAA, their rep. told me she should have handled her life insurance like she handled all her other affairs and bills. I informed him that she was unable to do that or anything else for that matter, she was incapacitated. AAA stated in the denial letter that a lapse letter was "generated' on September 30th, it did not say that it was "sent". And if it was sent, I don't know for sure when it went out of their office or if my mother even received it at her home before she was rushed to the hospital. At the hospital she discovered she had terminal stage 4 colon cancer and heart failure, so she would not have been able to handle her affairs anyway. I explained to them that my mother was totally incapacitated and she NEVER RETURNED home after being rushed to the hospital. AAA is refusing to pay out after all of the money my mother has put into being a valued customer of theirs. She held many policies of which they profited from her greatly. She had automobile, renters, AAA visa, accidental life and I think it is a disgrace that they will not honor the life insurance policy for 1 mi ssed payment and all due to a rapid decline in her health and being unable to handle any of her affairs. I do not believe the information from AAA is valid and believe their account of a notice being sent is false. I am not convinced that they did not receive payment since it was an automatic bank draft my mother had set up. Any help you can provide would greatly be appreciated so that I can collect the life insurance on behalf of my mom that she had in place so that her financial obligations could be secured after her death. AAA in my opinion did not act in "good faith", showing no compassion and penalizing a customer that trusted them to handle her insurance needs for years, since 2014 or longer. She was shown no consideration when  becoming deathly ill and abandoning her at the time she needed them to come through the most by honoring her policy, at the least. Horrible company ethics !  I will be seeking legal assistance if this is not resolved. I will seek additional damages for the stress they have caused me while dealing with the grief and loss of my mother and interest amount from the delay.
DO YOURSELF A FAVOR AND GET YOUR LIFE INSURANCE ELSEWHERE, FROM A REPUTABLE COMPANY!

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Romana Van Houtven
New York, US
Feb 06, 2009 5:03 pm EST

When I was quoted for my move they said they assured me that if my belongings were insured for damages, . Insurance was covered under the fee charged for moving. I received my dinning room broken and pieces missing. After several e-mail and phone calls to make an insurance claim to cover the damages, they did nothing . Instead avoided phone calls and no response to repayment of furniture they broke and scratched.

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senior citizen at large
, US
Aug 28, 2016 11:00 am EDT

I am so glad I read these comments. The info pack I got in the mail (unsolicited) sounded very good. What I don't understand, why did people have problems collecting after the death of the insured? Wouldn't it automatically pay the beneficiary?There are too many negative comments for me to even consider this policy. Shame on them for tricking seniors such a myself.

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Romy0427
, US
Aug 21, 2016 11:45 am EDT

AAA life Insurance is Scam.
Read below someone complain. I agree with this wording.
Everything seems fine with customer service when you're paying your premiums. But as soon as you or a loved one passes and you file a claim their response changes drastically. I am so grateful I didn't fall for this scam! I'm looking elsewhere!

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coolest1
, US
Jul 19, 2016 2:27 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I've also had problems with AAA Life Insurance Company

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Linda from Seattle
, US
May 21, 2016 9:06 am EDT

Similar to others, I was just about to complete my enrollment form until I read these comments. Everything seems fine with customer service when you're paying your premiums. But as soon as you or a loved one passes and you file a claim their response changes drastically. I am so grateful I didn't fall for this scam! I'm looking elsewhere!

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murry seaman
, US
Apr 14, 2016 1:09 pm EDT

They have been bombarding me with the same offer, and others since I signed up for their auto service. I almost bit on this one since I have been thinking about getting some term life but after reading all of these comments, I will go elsewhere. They seem to subscribe to the Verizon school of customer service-real welcoming until it comes time for them to give you service. They forget that there are easily accessible places for customers to vent their frustrations (like this one) and I am sure it has cost them more than one customer. So glad I bothered to check.

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Udvigna Prakash
, US
Mar 29, 2016 6:13 pm EDT

I received a mail today from AAA requesting to fill up a form for direct term insurance, rates offered are too attractive to believe, $31 per month for a policy of $300k. Just when I was about to complete the form, I thought of checking reviews on internet. Strange thing was mixed reviews, in the range of 3.5/5, made me think, this isn't bad, but then I thought of spending some more time. Here is why the rating is in mid range. All 4-5* ratings talks about competitive rates, amazing customer care and prompt responses on queries for you payment. While all 1* reviews wee written by people, who tried to claim the policy and guess what, none of the reported users got their money. Based upon the reviews, I believe they are not going to pay unless you file a lawsuit, and if you manage to do so, they will then negotiate. As a healthy young man in his mid 30s, I would have a decent policy which will require health checks upfront so that there are no excuses and my family gets some money, even though it is lesser amount and on higher premiums. But at least they will not be cheated and left without a penny, in their difficult times.

Is AA Life Insurance legit?

Our verdict: Complaints Board's thorough examination reveals AA Life Insurance as a legitimate entity with notable strengths. Despite a 33% resolution rate on customer complaints, which invites a closer look, AA Life Insurance stands out for its commitment to quality and security. Clients considering AA Life Insurance should delve into its customer service record to gauge compatibility with their expectations.

AA Life Insurance earns 96% level of Trustworthiness

Perfect Trust Endorsement: AA Life Insurance achives 96% ligitmacy per Complaints Board. Highly recommended, yet always stay vigilant.

AA Life Insurance has claimed the domain name for aaalife.com for a long time, which suggests that the website is established and has a history of being in operation. This is a positive sign, as it indicates that the website has been around for a while and may have a reputation to maintain.

Aaalife.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.

Several positive reviews for AA Life Insurance have been found on various review sites. While this may be a good sign, it is important to approach these reviews with caution and consider the possibility of fake or biased reviews.

We looked up AA Life Insurance and found that the website is receiving a high amount of traffic. This could be a sign of a popular and trustworthy website, but it is still important to exercise caution and verify the legitimacy of the site before sharing any personal or financial information

Adult content may be available on aaalife.com. It is important to be aware of potential risks and to use caution when accessing or engaging with such content.

However ComplaintsBoard has detected that:

  • AA Life Insurance protects their ownership data, a common and legal practice. However, from our perspective, this lack of transparency can impede trust and accountability, which are essential for establishing a credible and respected business entity.
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+1 (800) 684-4222

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