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I just realized that your three A's didn't have a P at the end. I don't know if AAA has a whole life or not. I know AARP doesn't.
I don't "feel" AAA anywhere out there in the market so I would surmise from that that they don't have naything I need to be concerned about.
How do you know you will be competing against them?
AAA does have a whole life product & a term product, I had to look into it once. Didnt seem to be any kind of a threat to EFES carriers, so I wasnt too concerned about it....but I cant remember exactly what I found when I did look into them, except they do offer both!