Life Insurance

Plan Information

Life insurance can provide the people you love with financial support when you can’t be there—and when they need it most. By planning ahead with, life insurance, you can help your loved ones pay for expenses; provide financial support; and leave an inheritance for those who matter most.

Contact Information

Carrier: Lincoln Financial Group


Company Code: AAACarolinas  

Phone: :  800-423-2765 – Option 1 Questions Related to Conversion  

888-287-8494 -Option 2  Questions Related to EOI

Basic Employee Life Insurance

AAA Carolinas provides full-time team members the equivalent of their annual base salary in group life insurance and pays the full cost of this benefit. Basic Benefit: 1 times Annual Compensation rounded to the next higher $1,000, if not already a multiple thereof. Eligible dependent spouses will also be covered for $5,000 or $10,000 of benefit. Additionally, Eligible child dependants will also be covered for $1,000 or $2,500 or $5,000 of benefit.

The employee life insurance includes an Accelerated Death Benefit Rider which will pay 75% of your death benefit. to a maximum of $200,000.


Voluntary Life Insurance

Team members can supplement their group life insurance benefits by purchasing additional coverage. If you decline enrolling in this benefit as a new hire, then an Evidence of Insurability (EOI) application will be required if you later choose to enroll in this benefit during a future annual open enrollment period.

Note: If you are not in Active Service on the date insurance would otherwise go into effect, it will be effective on the date you return to Active Service. If an eligible Spouse or Dependent Child is: (1) an inpatient in a hospital, hospice, rehabilitation or convalescence center, or custodial care facility; or (2) confined to his or her home under the care of a physician on the date insurance would otherwise be effective, it will be effective on the date he or she is no longer an inpatient in these facilities or confined at home. Please refer to the group policy located on Oliver for full details.

IndividualMaximum (subject to EOI)*
Team MemberThe lesser of 10 times Annual Compensation or $500,000 (in increments of $10,000)
Spouse50% of Team Member election or $250,000
Dependent Children$2,500 increments to $10,000(see age limitations)

See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.

Group products and services are offered by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company. The benefit summary is a general description of coverage and/or services offered. The certificate is the actual terms and conditions.

Questions about your benefits?

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