Automobile Club of Southern California Life Insurance Review & Complaints (2024)

If you are a AAA member or live in southern California, you may have heard of the Automobile Club of Southern California. It exists as a small company that started as an automobile club and has since expanded to provide other products and services.

Automobile Club of Southern California life insurance is sold mainly through AAA. However, you don’t need to be a AAA member to buy a policy. Read more about ACSC and AAA life insurance products below.

If you are looking to buy affordable life insurance, enter your ZIP code into our free quote comparison tool above.

What is the Automobile Club of Southern California?

The Automobile Club of Southern California (ACSC) was founded in 1900 by ten business people based in Los Angeles. It began as an automobile club focused on drivers’ rights, safe roads, and driving-related legislation.

Over time, the company expanded to offer other services to its members, such as insurance, financial services, travel aid, discounts, and car services.

The organization went through some mergers, acquisitions, and reorganizations, and eventually, it became a AAA-affiliated insurer.

ACSC insurance can be purchased by people who live in Southern California, including the following counties: Inyo, Imperial, Kern, Los Angeles, Mono, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, Tulare, and Ventura.

What kind of Automobile Club of Southern California life insurance products are available?

The Automobile Club of Southern California sells life insurance through AAA insurance agents and some independent agents. Its life insurance products include term life insurance, whole life insurance, and universal life insurance.

Term life insurance is a non-permanent life insurance policy that lasts for a specific period. You can buy ACSC or AAA life insurance in 10, 15, 20, or 30-year terms for up to $5 million in coverage. Premiums are level during your initial term but increase each year afterward.

AAA also has an ExpressTerm policy that doesn’t require a medical exam.

Whole life insurance is a permanent life insurance policy that gains cash value. ACSC’s whole life insurance has level rates that never increase for the life of the policy. Whole life insurance may require a medical exam. The death benefit amounts vary between $30,000 and $75,000.

Universal life insurance is another permanent life insurance policy that can build cash value. ACSC’s universal life insurance has adjustable premiums that can grow based on an interest rate. In addition, the death benefit from these policies is typically not subject to income taxes.

ACSC also sells annuities, auto insurance, homeowners insurance, renters insurance, boat insurance, umbrella insurance, and more.

How much is Automobile Club of Southern California life insurance?

Automobile Club of Southern California is a smaller insurance company that provides coverage for only a limited region. As such, Automobile Club of Southern California life insurance rates are not available online.

However, to give you an idea of what you might pay if you purchase an ACSC policy through AAA, look at the AAA life insurance rate chart below. It outlines monthly rates for a 30-year-old non-smoking male in good health who lives in southern California.

United Healthcare Network Overview

Remember that life insurance rates can vary based on many different factors, such as age, location, gender, health, smoking history, and more.

What kind of discounts are available?

While you don’t have to be a AAA member to buy life insurance from the  Automobile Club of Southern California, many of ACSC’s policies are sold through AAA.

AAA provides life insurance discounts to its members for its policies. For example, if you purchase a guaranteed issue whole life insurance policy, AAA will waive the $60 annual fee. You could also save 10% on a term life insurance policy.

With that being said, if you are a AAA member purchasing life insurance, your specific discounts will vary based on the underwriting company.

Some common life insurance discounts include those for health and safety. For example, if you have excellent health or don’t partake in risky activities or a dangerous occupation, you may receive discounts. Non-smokers may also receive discounts.

You may also receive discounts for belonging to a particular group. For example, members of the Automobile Club of Southern California or AAA members can receive discounts. In addition, if you work for a company that provides life insurance, you will also likely receive a group discount. 

Another popular way to receive a discount on your life insurance is to bundle your policies by buying other types of insurance from the same company.

Read more: AAA Auto Insurance Review & Complaints: Auto, Home, Life, Travel & Wedding Insurance

What are Automobile Club of Southern California’s industry ratings?

The Automobile Club of Southern California Life Insurance Company has only a few ratings available online. A.M. Best has given it an A rating, which means it has an excellent ability to meet its financial obligations. However, other rating companies have not analyzed the company yet.

We can also look at AAA’s ratings if you are thinking of buying ACSC life insurance with your AAA membership.

AAA is a popular company, but unfortunately, its ratings leave something to be desired. It has an F rating from the BBB for not responding to customer complaints. It likewise has a 3.84 NAIC complaint index, which indicates a higher number of complaints than companies of a similar size.

However, AAA features an A rating from A.M. Best, so you can be sure that the company will pay claims without issue.

Should I buy Automobile Club of Southern California life insurance?

If you are a AAA member who lives in southern California, buying life insurance from the Automobile Club of Southern California may be an option.

However, Automobile Club of Southern California is a small company, so purchasing life insurance from the company on its own may not be the best choice for life insurance.

AAA is a more widely known company that provides a broader selection of services and discounts to go along with your life insurance policy. Is AAA life insurance legitimate? In short, yes. AAA’s life insurance products are reputable.

Discounts from AAA allow members to save on various products and services. AAA provides its members with a variety of financial services, insurance products, and roadside assistance. Other products and discounts include travel benefits, shopping discounts, and dining perks.

Automobile Club of Southern California only sells insurance in southern California, but AAA will provide insurance for a much more significant portion of the country. However, some regions and areas may not be able to get coverage.

There are multiple ways to contact AAA life insurance customer service. Its online platform makes it easy to manage your policy. For example, if you want to make a AAA life insurance payment or access your policy, just use your AAA life insurance login to sign into your online account.

If you are unable to find affordable Automobile Club of Southern California life insurance quotes, you may want to compare rates from more companies. Enter your ZIP code into our free quote comparison tool below to get quotes from companies near you.

Automobile Club of Southern California Life Insurance Claims Process

Ease of Filing a Claim

When it comes to filing a claim with the Automobile Club of Southern California (ACSC) for your life insurance policy, the company offers multiple convenient options. Policyholders can initiate the claims process through various channels, including online, over the phone, and mobile apps. This flexibility ensures that you can choose the method that best suits your preferences and needs.

Average Claim Processing Time

The efficiency of the claims process is a crucial factor for policyholders. ACSC strives to provide timely claim processing to ensure that beneficiaries receive their payouts promptly. While the exact processing time may vary depending on the specific circumstances of each claim, the company is committed to minimizing delays and expediting the settlement process.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in assessing the quality of a life insurance provider’s claims service. Policyholders’ experiences with claim resolutions and payouts can provide valuable insights into ACSC’s performance in this regard.

Understanding how satisfied customers are with the company’s handling of claims can help you make informed decisions about your life insurance coverage.

Automobile Club of Southern California Life Insurance Digital and Technological Features

Mobile App Features and Functionality

ACSC offers a mobile app that enhances the overall customer experience. This section will delve into the features and functionality of the mobile app, highlighting how it simplifies tasks such as policy management, claims tracking, and communication with the insurer. Whether you’re on the go or prefer digital convenience, the app’s capabilities can significantly impact your interaction with ACSC.

Online Account Management Capabilities

Managing your life insurance policy online is a convenient way to stay in control of your coverage. ACSC provides an online platform for policyholders to access their accounts, view policy details, make payments, and perform other essential tasks. This section will explore the online account management capabilities, ensuring you have a clear understanding of how to utilize this digital resource effectively.

Digital Tools and Resources

Insurance companies often offer a range of digital tools and resources to assist policyholders. ACSC may provide access to resources such as educational materials, calculators, and online support. Understanding the availability and usefulness of these digital tools can empower you to make informed decisions about your life insurance policy.