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AARP Life Insurance Review

Key Takeaways

  • AARP Life Insurance is designed specifically for individuals over the age of 50 and is underwritten by New York Life Insurance Company.
  • AARP offers both term life and permanent life insurance options to its members, with coverage amounts ranging from $10,000 to $100,000.
  • AARP Life Insurance policies do not require a medical exam for approval, and acceptance is based on the answers to health questions on the application.
  • AARP members may be eligible for a discount on their life insurance premiums, and the cost of coverage is typically lower than other life insurance options for seniors.
  • AARP Life Insurance policies also offer several optional riders, including accidental death and dismemberment coverage, chronic care coverage, and a child protection rider.

Introduction to AARP Life Insurance

Life Insurance is an important tool for providing security and peace of mind for those we care about. Many people are unaware that there are numerous types of life insurance available, each with their own unique benefits. AARP, founded more than 50 years ago, specializes in offering a variety of life insurance policies that can provide individuals and families with the coverage they need.

AARP stands for “American Association of Retired Persons,” and provides a wide range of services including health, financial and travel services to its members. Its life insurance offerings range from term life insurance, universal life insurance to whole life insurance. These types of life insurance have different premiums and coverage amounts, giving each individual or family the coverage they need.

AARP’s life insurance can provide individuals and families with a sense of security and peace of mind. Whether you’re looking for coverage in case of an unexpected event or planning for retirement, AARP has a life insurance policy plan to fit your needs.

Types of Life Insurance Offered Through AARP

When it comes to life insurance, having coverage that fits your needs is vital. AARP offers a variety of options when it comes to life insurance policies, ensuring you get the coverage that’s right for you. Here’s a closer look at the different types of life insurance offered through AARP:

Term Life Insurance

Term life insurance is the simplest type of life insurance. It provides coverage for a set period of time, and is typically offered at a lower premium than other forms of life insurance. With AARP, you can choose between 10, 20, or 30 year terms, giving you flexibility to adjust your term as needed.

Universal Life Insurance

Universal Life Insurance is a type of permanent life insurance policy that features a flexible premium. This means you can adjust the amount of money you’re contributing each month, giving you more control over how much coverage you have. With Universal Life Insurance from AARP, you can also build up cash value over time and access the funds if needed.

Whole Life Insurance

Whole life insurance provides lifelong coverage and has a fixed premium. It also includes a cash value component that grows over time, allowing you to access the funds if needed. AARP’s Whole Life Insurance plan is designed to help you protect your loved ones.

The variety of life insurance policies offered through AARP ensures there’s something for everyone. Whether you’re looking for a short-term option or lifetime coverage, AARP can provide the coverage you need.

Key Benefits of AARP Life Insurance

Life insurance can provide much-needed financial security for those we care about. AARP life insurance plans offer a range of coverage options tailored to fit the needs of customers. Let’s take a closer look at the key benefits that come with an AARP life insurance policy.


The first and most important benefit of AARP life insurance is affordability. AARP policies are designed to be cost-effective so customers don’t have to break their budget to get the life insurance coverage they need. Customers can find plans as low as a few dollars a month, depending on their specific coverage needs.

Flexible Plans

AARP life insurance plans also offer flexible coverage options that allow customers to customize the policy to meet their individual needs. This includes term life insurance plans that allow customers to pick the length of their coverage, ranging from 10 to 30 years. There are also universal life insurance plans that allow customers to adjust their coverage amount as their life situation changes.

Added Benefits

In addition to the core coverage of a life insurance policy, AARP plans also offer a range of additional benefits. These include access to financial counselors, discounts on health and wellness products, and even travel benefits such as discounts on hotels and rental cars. All this adds up to a comprehensive life insurance plan that gives customers added value.

For those considering an AARP life insurance policy, the key benefits of affordability and flexibility make it an attractive option. With the right policy, customers can rest assured knowing their loved ones are protected in the event of sudden tragedy.

AARP Coverage

When it comes to finding the right life insurance policy, understanding the coverage amounts available and the financial contribution limits is essential. AARP provides customers with a variety of coverage options that are tailored to individual needs.

AARP offers term life insurance policies with coverage amounts ranging from $25,000 to $500,000. The premium payments you make determine the maximum amount of coverage. The minimum premium payment is based on your age, health, and lifestyle risks. Customers can also choose whole life or universal life insurance policies with different coverage amounts, depending on their needs.

In addition to the coverage amounts, AARP also offers financial contribution limits to help customers manage their finances and lifestyle. Contribution limits help customers determine how much money they can contribute to their life insurance policy each year. Customers can choose from different contribution limits, such as 10%, 20%, or 30% of their income.

When looking for the right AARP policy, it’s important to understand the coverage amounts and financial contribution limits available to you. With AARP, customers can customize their coverage to meet their needs, whether it’s a basic term life policy or a complex whole life or universal life policy.

Sample Quotes from AARP

When looking for life insurance, it’s important to get an accurate quote for your particular situation. AARP offers personalized quotes based on a variety of factors, including your profession, age, and other criteria.

Your quote will take into account your estimated coverage amount needs and any additional premiums you may pay for different benefits or riders.

For instance, if you are in your 40s and have been consistently employed for the past five years, AARP may provide a quote with a lower premium than someone who has had multiple jobs in that same time period.

The good news is that AARP provides quotes that are tailored to your specific situation, ensuring that you get the most out of your life insurance policy.

To get a quote from AARP, visit their website and fill out their online form or give them a call. Make sure to provide all applicable information, as an incomplete form may result in inaccurate quotes.

Once you’ve received your personalized quote, be sure to read through the terms and conditions and make an informed decision about your coverage.

Filing an AARP Life Insurance Claim

When filing an AARP life insurance claim, it’s important to know the steps and contact information for the process. Here is a guide to help you understand how to file an AARP Life Insurance claim.

Contact Information

For any questions, comments or inquiries about your AARP life insurance policy, you can contact customer service at 1-800-523-5800 or via email at [email protected].

How to File a Claim

  • The beneficiary of the policyholder must submit the claim form, which can be downloaded from the AARP website or the AARP service center.
  • Provide supporting documents such as the death certificate of the insured.
  • Photocopies may also be required of medical reports, police reports, and any other documents needed in order to process the claim.
  • All claims must be submitted within 6 months from the date of death.
  • Once the claim form is complete and all requested documents are provided, it must signed and sent to the address provided on the claim form.

Applying for Reimbursement

If the claim is approved, the beneficiary may need to apply for reimbursement if out-of-pocket expenses were incurred. Reimbursement forms can be obtained from the AARP customer service center, or they can be faxed/mailed/emailed to the beneficiary. The reimbursement form must be filled out and submitted to the address given on the form, with all relevant documents attached.


Filing a claim with AARP can be a complex process. It is important to read and understand all the details of a policy before filing a claim. Make sure to provide all the required documents and follow the instructions carefully when submitting the claim paperwork. When filing for reimbursement, always keep track of all expenses and receipts that were required to complete the claim.

Customer Service & Experience with AARP

When it comes to life insurance, customer service is an important factor. Many customers want to know that they can get reliable answers and service when they have a question or issue. At AARP, they take customer service seriously and strive to create the best possible experience for their clients.

The customer service staff is available 24 hours a day, 7 days a week, and can be reached by phone, email, or chat. They are ready to answer questions about coverage, help with filing claims, and provide information about policies. They also offer follow-up calls to ensure that customers are satisfied with the service received.

Those with AARP life insurance coverage also have the benefit of access to their customer portal. Here, customers can manage their account, change contact information, and view documents related to their policies. The portal also provides access to helpful resources such as forms and tutorials.

Overall, AARP aims to provide an excellent customer service experience. They understand that customer satisfaction is essential in order to maintain a successful life insurance policy. They strive to ensure that their customers have the information and resources they need to make informed decisions.

Comparing AARP Life Insurance to Other Companies

When comparing life insurance policies, it is important to consider the policy premiums, coverage amounts, and customer service. AARP is a good place to start when looking for life insurance. They have a variety of plans to choose from, and have been around since 1958. The company’s offerings are competitive and their customer service is hard to match.

To compare AARP life insurance to other companies, there are several things to look at. First, you should compare policy premiums. AARP offers competitive premiums on their different life insurance policies. They also offer flexible payment options, so you can find one that works for your budget. Next, consider the coverage amounts each company offers. AARP provides comprehensive coverage, so you know your loved ones will be taken care of if anything were to happen to you.

Customer service is another factor to take into consideration when comparing policies. AARP has an excellent customer service team that is dedicated to providing you with the best possible experience. They are available 24/7 and are happy to answer any questions you may have. Additionally, they provide follow-up calls to make sure you are satisfied with your coverage.

Ultimately, it is important to do your research when comparing life insurance policies. AARP offers a wide-variety of plans and customer service, so they are worth considering. By looking at all the factors, you will be able to make an informed decision and find the most suitable policy for yourself and your loved ones.

Customer Reviews

When it comes to choosing a life insurance plan, it’s important to know what others have to say about their experiences. Researching customer reviews from a variety of sources can be an incredibly useful way to gain insight into the quality of the coverage and customer service offered by AARP.

A quick search for AARP life insurance reviews will provide you with plenty of feedback from customers. Be sure to look at multiple sources and combine their insight into a single point of view. It’s also good practice to compare reviews from both positive and negative sides. This can give you a more holistic understanding of the policy you’re considering.

Overall, the customer reviews for AARP life insurance are mostly positive. The majority of customers are satisfied with the affordability and flexibility of their plans, as well as the customer service they receive when filing claims. Those who had difficulty getting the coverage they needed also noted that customer service was very helpful in resolving the issue. On the other hand, some customers noted that the coverage wasn’t as comprehensive as what other companies offered.

No matter which type of life insurance plan you decide to purchase, it’s important to research customer reviews and make sure it meets your needs. This is especially true when considering AARP life insurance, as they specialize in different types of life insurance policies. Taking the time to read customer reviews and compare them to other providers will help you make an informed decision when it comes to finding the right life insurance plan for you.

Pros and Cons of AARP Life Insurance

Choosing the right life insurance is a big decision, so understanding the pros and cons of AARP life insurance is essential. AARP has many benefits to consider, but there are also drawbacks when it comes to their policies.

Pros of AARP Life Insurance

If you’re considering AARP for your life insurance coverage, there are several advantages to consider. The main benefit of AARP life insurance is affordability. Rates for AARP life insurance policies are generally lower than most other insurers, making them an attractive option for those on a tight budget.

Another great feature of AARP life insurance is the flexibility of their plans. Customers have the ability to customize their coverage to meet their individual needs, allowing them to tailor their plan to provide the coverage they need. In addition, the company offers flexible payment options, making it easy to manage monthly premiums.

Cons of AARP Life Insurance

While there are many advantages to AARP life insurance, there are some drawbacks that customers should be aware of. One downside of AARP life insurance is that the coverage limits can be low. For example, some plans limit coverage to $250,000, which may not be enough for some customers.

In addition, AARP life insurance often requires medical exams and other health screenings before approving a policy. This can be inconvenient for some customers and may not be necessary for those with clean bill of health.

Finally, AARP life insurance does not offer the same variety of coverage as other companies. While many customers are satisfied with AARP’s offerings, some may prefer the greater choice of plans and features available at other insurers.


AARP life insurance offers a number of benefits, including affordability and flexibility. However, customers should be aware of the drawbacks associated with AARP, including low coverage limits and limited choices in plans. Before deciding on an AARP life insurance policy, customers should consider their individual needs and compare AARP’s offerings to those of other life insurance providers.

Alternatives to AARP Life Insurance Coverage

When researching life insurance policies, it’s important to know that there are options available besides AARP. Here are some alternative life insurance companies with similar offerings.

State Farm

State Farm offers term life insurance, universal life insurance, and whole life insurance with coverage amounts up to $1 million. There is an option for customers to convert their term policies into whole life coverage if desired. Additional benefits offered include discounts on additional policy purchases and access to exclusive resources.


Prudential provides basic term life and universal life coverage as well as more specialized plans such as estate opportunities, custom life plans, and survivorship policies. Plans can be tailored to fit a customer’s needs, and additional riders are available for mortgage protection and long-term care insurance.

New York Life

New York Life offers term life and whole life coverage with coverage amounts and premiums based on the customer’s location and other factors. They also provide additional benefits such as family debt protection, accelerated death benefits, and mutual funds.

When researching life insurance policies, it’s important to consider the features and benefits of each provider, the cost of the premiums, and the level of customer service that is offered. It may also be beneficial to discuss your needs and options with a qualified insurance agent or financial adviser. By taking the time to compare several providers, you can make an informed decision and find the best coverage for you and your family.


AARP is a trusted provider of life insurance, offering customers an array of coverage options and financial benefits that they can depend on. The life insurance plans available through AARP are affordable, flexible, and customizable to suit the needs of their customers.

AARP has been around for nearly seventy years, serving as a reliable resource for individuals looking to protect their families through life insurance coverage. Their claims process is straightforward and their customer service is helpful and prompt when needed.

Before selecting a life insurance policy, it’s important to compare the different plans available to find the best coverage that suits your needs. AARP compares favorably to other life insurance providers in terms of coverage amount and premiums.

When researching life insurance, consider the features offered through AARP, such as their existing customer support, claim process, and financial limits. Above all, make sure the plan you choose will adequately protect your loved ones and provide you with the financial security you need.

Discover How Much YOU Can Save on Life Insurance

Our customers save as much as 35% compared to traditional life insurance offers…

Compare Quotes →

Avatar photo About the author: David Krug is the CEO/President of PolicyPeak, a modern and tech-driven life insurance company. David noticed a gap in the market for personalized policies at an affordable price. He founded PolicyPeak in 2022 with the goal of simplifying the buying process for consumers and offering policies tailored to their unique needs.