In this guide

  • Our verdict
  • Details
    • Product details
    • Riders
  • Your reviews
  • Ask a question
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Finder score
Issue Age
50 to 80
$10,000 to $150,000
Medical Exam Required

Our verdict

Offered through New York Life, none of these plans require a medical exam — so you can get coverage sooner.

AARP offers life insurance policies through New York Life that don't require a medical exam. It provides low-cost options ideal for budget buyers, those wanting supplemental coverage or those who may be denied a standard policy.

However, AARP offers maximum coverage at $150,000, relatively low for the price you pay. Low coverage is typical for no-exam policies anywhere.

If you're willing to take an exam, you could pay a lower price for higher coverage with another company. But if you need to bypass the exam, consider one of AARP's policies.


  • Premiums start at $11 for guaranteed acceptance or level benefit term life
  • No waiting period with whole or level benefit term life
  • 30-day moneyback guarantee


  • Guaranteed acceptance isn’t available in New Jersey and Washington, and accelerated benefits aren’t available in Massachusetts and Washington
  • Guaranteed acceptance won’t pay the entire death benefit until the two-year waiting period ends
  • Online applications aren’t available in all states and you may have to apply by mail

In this guide

  • Our verdict
  • Details
    • Product details
    • Riders
  • Your reviews
  • Ask a question


Product details

Policies Term, Permanent, Guaranteed Acceptance
Coverage maximum $150,000
Term lengths 5 year banded terms
Medical exam required No
Available states All 50 states
Issue age Not listed


Riders Array

AARP life insurance rates

We pulled 2023 sample rates using AARP’s online quote tool for healthy men and women 50 years and up. AARP only offers coverage for people at least 50 years old. Costs average $160 per month for $100,000 in coverage, depending on factors like your age and health. Premiums increase over time in 5-year age brackets up to age 75.

Average monthly rates for women


Rates accurate as of June 2023.

Average monthly rates for men


Rates accurate as of June 2023.

Factors that affect your life insurance rates

AARP’s life insurance plans through New York Life don’t offer details about their rating tiers online. This isn’t unusual for a life insurer, but it shows less transparency than companies with this information.

Some factors lead to high rates with other companies:

  • Health history. A family medical history with certain conditions could cause a higher premium.
  • Substance abuse. People who have experienced alcohol or drug abuse within five years may see higher rates.
  • Tobacco use. Tobacco or nicotine use in the past 12 months may affect your rates.
  • Health. You may see higher rates if you’re diagnosed with cancer, stroke, diabetes, kidney, liver or heart disease, HIV, AIDS or asthma in the past five years.
  • Driving record. People with DWIs or DUIs on their driving record typically see higher rates.

How to get a quote from AARP life insurance

You can contact AARP by phone at 888-687-2277. Otherwise, if you’re an AARP member, you can get a quote and sign up for life insurance online.

  1. Select Get A Quote.
  2. Choose the type of policy you’d like to apply for: term, permanent or guaranteed acceptance.
  3. Provide some personal info, your desired coverage amount and contact info.
  4. Select Get instant quote and apply.

If you are not an AARP member, you’ll need to call AARP at 866-654-5572 to get more information about joining.

AARP offers term and whole life

AARP offers three types of life insurance. You’ll only answer health questions instead of taking a medical exam to get approved for coverage. Plus, you’ll have the option to opt for a guaranteed acceptance whole life policy that forgoes both the health questionnaire and medical exam.

PlanCoverageMedical examWaiting periodRate increaseCoverage max lengthMonthly costDisclaimers
Level Benefit Term Life$10,000–$150,000NoneNoneLower initial rates that increase over time.Age 80$11–$469Coverage limited to $100,000 for NY residents.
Permanent Life Up to $50,000NoneNoneNoFor life$14–$551None.
Guaranteed acceptance whole lifeUp to $25,000NoneTwo yearsNoFor life$23–$349New customers only. Full coverage may be unavailable if you’re already insured with the program.

You can convert your AARP term life to keep coverage past 80

While AARP’s term life policies expire at 80, it allows members to convert their term life policy to a permanent group life policy anytime before their 81st birthday.

You won’t have to take a medical exam or answer any health questions to get coverage. However, your rates are based on your age at the time you convert.

Does AARP offer burial insurance?

AARP’s guaranteed acceptance policy is marketed as burial insurance for seniors ages 50 to 80, and it doesn’t require a health questionnaire or exam. However, you’ll pay AARP membership fees, an added expense that other insurers don’t require. Like most final expense policies, the coverage is capped at $25,000. AARP’s burial insurance policy is available in all states except New Jersey and Washington.

AARP offers 3 policy add-ons

AARP offers fewer riders to help customize your policy than you might find with other companies, though helpful ones. Riders to consider adding:

  • Term rider protection plus. This rider lets you access half your benefit amount if diagnosed with a terminal illness or given less than 24 months to live.
  • Added permanent life. If you have an AARP policy other than permanent life, you can add it as a rider and increase your protection to up to $50,000.
  • Guaranteed exchange option. Switch from a term life policy that ends at 80 to a permanent policy that lasts for life.

AARP life insurance reviews and complaints

AARP isn’t accredited with the Better Business Bureau (BBB), but it has a high rating for the way it interacts with customers. Complaints on the BBB mostly had to do with AARP’s other services — though there were some comments about delayed claims payments. Over at Trustpilot, reviews skew negative, citing spam, a hard-to-navigate website and being charged after canceling a membership.

AM Best financial rating A++
BBB accredited No
BBB rating A+
1.21/5 out of 107 customer reviews
Trustpilot score 1.4/5 out of 48 customer reviews
Customer reviews verified as of 18 June 2023

The underwriter, New York Life, has a B- rating with the BBB, and customers have awarded it 1.15 out of 5 stars. There have been 212 complaints filed against the business in the past three years.

How AARP life insurance compares to other insurers

AARP’s policies stand out in that none require you to take a medical exam, catering to people who don’t qualify for standard policies with exams. It’s unusual to see an insurer with only no-exam policies in its lineup.

However, its guaranteed-issue policy only pays part of the death benefit if you die within two years of starting your policy. The waiting period is common for this policy, but you can find insurers that get rid of it.

Get quotes from other life insurance companies like AARP

See how AARP policies stack up against others in the market. Explore other life insurance companies’ perks and benefits, and select view rates to get a quote.

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry. AARP receives a three and a half out of five stars for limited policy customization options compared to its competitors.

Learn more about our methodology here.

Your reviews

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July 17, 2019

If I cancel my term insurance with AARP will get a refund from the payments I have made over the years?


Jhez Finder

July 17, 2019

Hi Elizabeth,

Thank you for your comment.

If you have purchased a term life insurance policy with a return of premium, you can receive a refund for your premiums. This type of policy is just what the name suggests: when the term of the policy is up, your insurance provider will return your premiums to you.

Best to contact AARP directly, so they can provide you the necessary details in regard to cancellation of your policy.



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October 10, 2018

I have a policy with New York life through AARP. I quit my subscription with AARP. Does that mean that in the event of my expiring, New York Life will not honor the policy?


Charisse Finder

October 13, 2018

Hi Marie,

Thanks for reaching out to finder.

When you request for your AARP membership to be cancelled, they will also notify their member benefit providers such as New York Life, that the account has been canceled. Though they did not mention that your New York Life insurance policy will be automatically cancelled the moment you stop your AARP membership, it says on their website that AARP membership is required for program eligibility.

It’s better for you to contact New York Life directly and inform them that you have cancelled your AARP membership so they can advise you on matters concerning your life insurance policy.

I hope this helps.



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