What happens to your CSAA Insurance accounts when you die

CSAA writes property and casualty coverage only: auto, home, renters and personal umbrella. None of these policies carries a beneficiary designation.¹

A named-insured change is an endorsement. It goes through a AAA agent, the customer service line, a branch, or the Policyholder Endorsement Department by mail.¹

CSAA issues no life insurance. A death benefit under a AAA-branded life policy is a claim against AAA Life Insurance Company, a separate company.¹

A named-insured change cannot be made in the MyPolicy portal. Its self-service functions are ID cards, paperless preferences, payments, adding or removing drivers and vehicles, and policy documents.⁴

After a house is deeded to a revocable trust, what changes on the policy is the named insured. CSAA handles it only through the AAA club agent, the customer service line, a branch visit, or a written request to the Policyholder Endorsement Department.¹

An insurance policy is not retitled into a trust. Funding a trust with the insured property, such as deeding a house to the trust or moving a vehicle title, is what changes, and the policy then has to name whoever owns the property.¹

CSAA Insurance Exchange is a reciprocal insurer. The policyholder is a "Subscriber" who has signed a Subscriber Agreement and Power of Attorney appointing CSAA Insurance Services, Inc. as attorney-in-fact.⁵

Clause (6) of the Subscriber Agreement provides that subscribership "terminates when Subscriber is no longer insured under any policy issued by the Exchange," so cancelling the last policy ends the membership as well as the coverage.⁵

Life insurance sold under the AAA brand¹