Life Insurance

Life Insurance Resources

New to life insurance and finding it a little confusing? You’re not alone. For many of our clients in Concord, NC and surrounding areas, life insurance can seem complicated, with numerous choices and factors to consider. As your partner throughout the process, AAA Life is here to help make it easier.

Download Life Insurance Checklist

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Life Insurance Questions?  We have answers.

What is life Insurance? What are Living Benefits? How much life insurance do you need? Planning to keep your family secure – today tomorrow, and down the road? The right personal, life, and health coverage are essential. A proper Life Insurance policy can give you peace of mind knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. Conveniently located in Concord, NC, we are here to answer any questions you may have.

Like every other kind of insurance, life insurance comes in many shapes and sizes (Whole Life Insurance, Term Life Insurance, and Universal Life Insurance, for example.) We can help you understand your options, and figure out how much and what kind of life insurance is right for you, before getting your life insurance quote. Let us help you purchase life insurance to fit your situation.

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Life Insurance Policies AAA Offers:

Life insurance policies come in all shapes and sizes. We here at AAA are committed to putting together the best life insurance policy to accommodate your individual needs. Want a flexible policy? What about policy that stays constant?  Don’t know what you should get? We’re here to help!

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Term Life Insurance

AAA Life offers five options of guaranteed level premium coverage: 10, 15, 20, 25, or 30 years! Just select the duration that best fits the length of the time you want coverage to last. Coverage from as low as $50,000 for ages 50 and older and $100,000 for ages 18 to 49.

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Return of Premium

What if your term insurance ends and you haven’t had to use any of your coverage? If you add the Return of Premium benefit to your policy and this occurs, you can get your entire premium back at the end of your term.

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Whole Life Insurance

Whole life insurance provides permanent protection. Just pay your premiums when due and your coverage is guaranteed to last for a lifetime, regardless of changes to your health. At age 100, your whole life insurance coverage stays in effect with no further premiums required. Your premiums will never increase either!

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Universal Life Insurance

Universal Life insurance is designed to provide you with a lifetime of protection, allowing you to meet both your present and future objectives. A Universal Life policy from AAA Life can provide a lifetime of coverage with competitive premium rates and flexibility.

One of the most important features of Universal Life insurance is that it accumulates cash value that can provide much-needed funds in later years. A Universal Life policy allows you access to money to help support a variety of needs throughout your life. For example, use the cash you’ve accumulated to supplement educational expenses or put it towards your retirement. ­

Universal Life insurance is different than Whole Life insurance because, with Universal Life, you can adjust your premiums and other features in order to best accommodate your individual needs.

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