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What if I am not an AARP member?

You will need to join AARP to be eligible for this life insurance, which is available exclusively for AARP members and their spouses/partners. The good news is, it’s easy to become an AARP member, as long as you’re 50 years old or above. You and your spouse/partner can enroll in AARP for just $16 a year, on the same form you use to apply for AARP Permanent Life insurance.

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What isn't covered?

If death results from suicide in the first two years, benefits will not be paid. 

ND Residents: The suicide exclusion applies only for one year.

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Can I be turned down?

No — this coverage is available to all AARP members ages 50 to 80 and their spouses or partners ages 45 to 80 (in NY, member and spouse must be 50 to 75). As long as you are within program coverage limits, you cannot be turned down* for AARP Guaranteed Acceptance Life insurance.

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Is there a medical exam or health questions?

No, there is no medical exam, medical testing or health questions.

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Does this coverage have a waiting period?
Yes.  Because acceptance is guaranteed, (subject to program limits) there is a two-year limited benefit period. Full benefits will be paid for accidental death from day one. However, in the first two years, death from natural causes will pay a limited benefit of 125% of premiums paid. Back to Top »
How much life insurance should I have?

There’s no one “right” answer. Everyone’s different – how much insurance you choose depends on who – and what – you want to provide for. Adding up the cost of things you want this coverage to provide for is a good starting point. These might include things like funeral costs, any bills you may leave behind, or living expenses during a period of transition.

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I already have life insurance, should I consider getting more?

Maybe. If you’re not sure you have enough to take care of the people you care about, or if insurance that seemed like plenty in the past is looking less adequate today, AARP Guaranteed Acceptance Life insurance could be a smart choice to obtain more coverage.

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How much does coverage cost?

The rate chart on the AARP Guaranteed Acceptance Life insurance page shows the affordable current monthly rates. 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 complete details, see rate chart.

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Why are rates for AARP Guaranteed Acceptance Life insurance higher than rates for AARP Level Benefit Term Life insurance?

Initially, rates for permanent life insurance are almost always more expensive than term life insurance at the same age for several reasons. As the name implies, permanent life insurance can last for your entire lifetime and your rates can’t be raised just because you get older. Term life coverage rates increase as you age, and coverage may not be offered beyond a certain age. Another difference is that permanent life coverage can build up cash value over time while term life does not. Because AARP Guaranteed Acceptance Life provides guaranteed acceptance* without medical underwriting, the premium includes an extra mortality risk charge. Medically underwritten products are also available.

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Can my rates go up just because I get older or my health declines?

No. Your rates are determined by your age when you first apply. Once you’re insured, you can’t be singled out for a rate increase; your rates may change only if they are changed for all others in the same class of insureds under this group policy.

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Will this coverage build up cash value over time?

Yes. In addition to lifelong insurance coverage, a portion of your premium payments goes towards cash value that grows tax-deferred over time. Once you accumulate enough cash value, you can take a loan against your coverage. If you pass away before the loan is paid back, the loan amount and any interest due will be deducted from the death benefit.

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Does coverage end at a certain age?

No. AARP Guaranteed Acceptance Life insurance allows you to keep coverage for your lifetime, as long as you pay your premiums. At age 95, your coverage is considered “paid up”, and will remain in effect for the rest of your life without any further premium payments.

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Does this coverage include a “living benefit”?
Yes. After your coverage has been in force for two years, if you’re diagnosed with a terminal illness and given a life expectancy of 12 months or less, you may access half of your benefit amount. It will be paid directly to you, to use in any way you choose.

Please note that receipt of “living benefit” (accelerated death benefit) insurance proceeds may affect your eligibility for public assistance programs. Proceeds may be taxable. You may wish to consult your financial adviser and/or attorney to determine how this may affect your personal situation. Premiums will be lower when the benefit amount decreases by one-half.

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How is my privacy protected?

Please click here to view a copy of our privacy notice.

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Is this the only life insurance program endorsed by AARP?

Yes. The AARP Life Insurance Program from New York Life Insurance Company is the only life insurance program endorsed by AARP, and the life insurance products offered through this program are available exclusively to AARP members.

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What if I apply…and change my mind later?

There’s no risk with this AARP-endorsed coverage. A 30-day free look guarantees your satisfaction. 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 paid.

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How do I get started?

Just request an AARP Guaranteed Acceptance Life free information kit. It includes an Enrollment Form and complete information about how to enroll. AARP members who reside in most states can enroll for AARP Guaranteed Acceptance Life insurance online through this Web site.

» Enroll Online Now

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Request a Free Information Kit and Enrollment Form by Mail »

New York Life Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP has established the AARP Life Insurance Trust to hold group life insurance policies for the benefit of AARP members.


The AARP Life Insurance Program is underwritten by New York Life Insurance Company, New York, NY 10010. AARP membership is required for Program eligibility. Specific products, features and/or gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Group policy forms AA-08, AA-66, AA-67, AA-68, AA-71 and Individual policy forms ILJUV6, ILJUV6-ID, ILJUV6-LA, ILJUV6-MN, ILJUV6-OH, ILJUV6-VT).

Complete terms and conditions are set forth in the group policy issued by New York Life to the Trustee of the AARP Life Insurance Trust.

Young Start is a service mark of New York Life Insurance Company.

The licensed agent is Michael Horan (Arkansas #280279, California #0B58435).

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