I received the offer of term life insurance from AAA recently and glanced over the form out of curiosity. " NO MEDICAL EXAM", which means if you stretch the truth in any way when filling out the form they will not pay, or it will be greatly reduced. For example, "Nicotine User"--what is their definition of this? They gave no explanation. Snuff? Chew? Occasional cigar? Nicotine patch? Smoked for one year 40 years ago? OK, you will pay roughly 2 1/2 times as much. And then a "by the way": Rates go up every 5 years.

Then there is the fact that AAA takes a cut out of your payment, so it is likely you can get better coverage for less money elsewhere.
curley