AAA Life Insurance Agent Salary in the United States

How much does a Life Insurance Agent make at companies like AAA in the United States? The average salary for Life Insurance Agent at companies like AAA in the United States is $40,345 as of November 27, 2023, but the range typically falls between $36,779 and $43,910. Salary ranges can vary widely depending on many important factors, including education, certifications, additional skills, the number of years you have spent in your profession. With more online, real-time compensation data than any other website, helps you determine your exact pay target.  View the Cost of Living in Major Cities2

About AAA

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What does a Life Insurance Agent do at companies like AAA?

We call our club's vision, mission, values, and supporting pillars "Our House" because they are the foundation for all that we do.  We're working to transform AAA for the next century with a mission to create Members for life by unleashing the innovative spirit of our Team Members.

At AAA, our Team Members strive to deliver amazing service and help our Members outsmart life’s roadblocks. We believe everything you do outside of work adds to who you are at work. We're working to transform AAA for the next century with a mission to create Members for life by unleashing the innovative spirit of our Team Members.

Essential Functions

  • Maximizes life insurance market penetration with current members and property/casualty insureds and stays vigilant for new sales opportunities. Maintains high quality production and persistency standards to assure profitable growth.  Identifies and develops sales opportunities within the community.  Follows company approved sales process in the completion of required financial, activity and sales reporting.
  • Provides life sales support and training on lead development and identification for the frontline employees, Insurance Sales Agents (P/C) and other staff who come in contact with members/ insureds.  Establishes and maintains strong working relationships with front line employees, Sales Agents and the branch management team. Notifies Agents in a timely manner of result with referred lead.  Provides leads from life insureds and other calls to Sales Agents for other products/services, i.e., membership, auto/homeowners and travel insurance.
  • Stays well-informed of changes and developments in policy and/or external practices. Attends meetings to obtain information, provide input, keep lines of communication open, stay updated and offer sales ideas when appropriate.  Keeps current in industry; maintains continuing education for licensure.
  • Develops annual business plan with input and involvement from the Life Sales Manager to meet goals and determine responsibilities, including new business life sales, quality standards, as well as building outstanding customer relationships. Reviews plan objectives and reassesses strategies to align performance relative to annual sales goals.
  • Ensures compliance with NCNU and AAA Life and regulations, as well as external regulations


  • Strong interpersonal, presentation and communication skills needed to interact with staff, members and insureds effectively
  • Ability to cultivate relationships with peers and staff; educates staff to make referrals to Life Insurance
  • Agents
  • Computer skills in basic software applications, and navigating business applications specific to life insurance
  • Demonstrated skills in selling life insurance and annuities; Skills to develop, track and effectively follow up on leads (preferred)
  • Strong knowledge in sales techniques, life product line illustrations, features and benefits (preferred)
  • Demonstrated skills in prospecting and lead generation abilities (preferred)
  • Bilingual communication skills (preferred)

Education & Experience/Licenses & Certification

  • High School Diploma or GED
  • Valid Automobile Operator's License
  • Active State Resident Life Insurance License
  • Bachelor's degree in related area or an equivalent combination of education and experience
  • (preferred)
  • 1+ years experience in Life Insurance and/or Annuity Sales (preferred)
  • CLU, ChFC and/or LUTCF Designations (preferred)

Work Environment/Physical Requirements

Works in an office environment sitting at a desk, table or computer workstation for extended periods of time.  May travel by car, plane or other form of transportation to attend business meetings or conferences. Approximately 50-80 percent of the time spent on the job involves the use of a personal computer.


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$36,779 Low Average $40,345 High $43,910

Understand the total compensation opportunity for Life Insurance Agent at companies like AAA, base salary plus other pay elements

Average Total Cash Compensation

Includes base and annual incentives

The chart shows total cash compensation for the AAA Life Insurance Agent in the United States, which includes base, and annual incentives can vary anywhere from $36,779 to $43,910 with an average total cash compensation of $40,345. Total compensation includes the value of any benefits received in addition to your salary and some of the benefits that are most commonly provided within a total compensation package including bonuses, commissions, paid time off, and Insurance. The total cash compensation may get paid differently by industry, location, and other factors.
Job Openings for AAA Life Insurance Agent
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