If I could give them zero stars for their review, I would. DON"T USE THEM! It was nothing but incompetence and aggravation right from the start. We had decided to get some additional life insurance for myself and my husband. Once they processed the applications, they added my checking account to someone else's policy and we have been paying for him. I've been trying to get the refunded money back since the June. I've called multiple times and no one can do what they say they'll do in giving us back the money. I'm currently on the phone with the same rep that I spoke to on July 9th (today is July 20th) and he's not giving me much as far as help. I had to put a block on my checking account so that they wouldn't charge us anymore for this other person's insurance. Yet they are still charging my account. Multiple calls and multiples days of aggravation and I'm still not getting a refund. Who do you have to call for help? Now he tells me I have to take the stop off of my account in order to get a refund. REALLY? And what so you can charge me again? I'm posting this review on every website that I can to let everyone to stay away from AAA Life Insurance. I hope to get this resolved soon.