- Up to $15,000 in life insurance coverage
- No medical exam
- No health questions
- Rates won’t increase just because you grow older
- Permanent insurance you can keep your entire life
- Simple enrollment form; acceptance is guaranteed*
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Limited benefits for first two years
Who Is Eligible
AARP members ages 50 to 80 and spouses ages 45 to 80 are eligible to enroll. If you aren’t yet an AARP member, you can join AARP and enroll in Guaranteed Acceptance Life insurance at the same time by mail. This product is not available to residents of New Jersey and Washington.
Acceptance Guaranteed
As the name suggests, you can’t be turned down* for Guaranteed Acceptance Life insurance as long as you are an AARP member ages 50 to 80 (45 to 80 for spouses of AARP members). It really is that simple. And because acceptance is guaranteed*, AARP members who reside in most states can even enroll online now.
No Medical Exam or Health Questions
You don’t need to see a doctor, take any medical tests or answer any health questions. In fact, you never have to provide a single detail about your current health or medical history.
Rates Won’t Increase
Due to Age or Health
Your premiums are based on your age when you apply, and will not increase simply because you grow older. In fact, you can never be singled out for a rate increase for any reason, including changes in health. Your rates can only change if they are changed for all others in the same 'class of insureds' under this group policy. Due to guaranteed acceptance without medical underwriting, the premium includes an extra mortality risk charge. Medically underwritten products are also available.
Lifetime Protection
This is permanent life insurance you can keep for your entire lifetime, provided premiums are paid when due, unlike term insurance coverage that may end at a certain age. That’s important if you want to be sure to leave life insurance benefits for your loved ones, regardless of how long you live.
Limited Benefit Period
Because acceptance is guaranteed, death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary receives an amount equal to 125% of the premiums paid. Full benefits will be paid for accidental death from day one of coverage. (PA, MN, and MO residents have different benefits payable; see below for details)
Benefits Won’t Decrease
After the first two years, your benefits are guaranteed not to decrease just because you grow older or your health changes. The benefit level you start with is the one you can keep for as long as you’re insured.
Paid-Up Feature
Your premium payments will end at age 95, but coverage will continue in full for the rest of your life.
An Exclusion
There is an exclusion. If death results from suicide in the first two years, benefits will not be paid. Missouri and North Dakota residents: The suicide exclusion applies only for one year.
30-Day Guarantee
You’ll receive a Certificate of Insurance when coverage is approved. If you decide this coverage isn’t for you, for any reason, you can return it within 30 days and receive a refund of any premium you paid.
Simple Enrollment Form
It doesn’t take a lot of time or paperwork to enroll for AARP Guaranteed Acceptance Life. AARP members can enroll by mail or online (in most states). There’s absolutely no cost or obligation when you request information.
» Enroll Online Now
» Get a Free Information Kit and
Enrollment Form by Mail
The AARP Life Insurance Program is exclusively for AARP members. It’s easy to join AARP and enroll for life insurance coverage at the same time.*
» Get a Free Information Kit
*Subject to program coverage limits. Available to AARP members ages 50 - 80 and their spouses ages 45 - 80. In NY, residents must be ages 50 - 75. Not available in NJ & WA. Please call 1-800-865-7927 for alternate product information. Residents of Oregon: You must be an AARP member to request a free Information Kit and Enrollment Form by mail.
**Pennsylvania residents: The standard benefit is payable (125% of premiums paid during the first two years) unless the minimum death benefit payable is greater during the first two years. The description of the minimum death benefit payable to the beneficiary is as follows: (a) for issue age 45 minimum benefits are paid as follows: for death during the first year, 15% of the amount in force and for death during the second year, 40% of the amount in force; (b) for issue ages 46 through 55 minimum benefits are paid as follows: for death during the first year, 10% of the amount in force and for death during the second year, 30% of the greater in force; and (c) for issue age 56 or over, for death during the first year, a minimum benefit of 120% of premiums due and payable through the first year is paid and for death during the second year, the greater of 15% of the amount in force or 130% of premiums due and payable through the first and second years is paid.
For Missouri residents whose age at issue is 76 or over, a minimum benefit of 50% of the amount in force is paid, if death occurs during the first two years.
For Minnesota residents, the minimum benefit payable is 400% of premiums due and payable through the first year, if death occurs during the first 2 years.
For Texas residents: Death Benefits, Cash Values and Loan Values will be reduced if a 'Living Benefit' (accelerated death benefit) is paid. The acceleration of life insurance benefits offered under this certificate is intended to qualify for favorable tax treatment under the IRC of 1986. If these benefits qualify for favorable tax treatment, the benefits are excludable from your income and not subject to taxation. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration of life insurance benefits excludable from income under federal law. Receipt of acceleration of life insurance benefits could also affect your and your family's eligibility for public assistance programs (Medicaid, AFDC, SSI, or drug assistance). You are advised to consult with a qualified tax advisor and with social service agencies to determine how receipt of these benefits will affect your eligibility for public assistance. Premiums will be lower when the benefit amount decreases by one-half.