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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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Are there any circumstances under which payments can be waived?

Premiums will be waived after 180 consecutive days of a nursing home confinement ordered by your doctor. No matter how long your stay lasts, your coverage will continue in full with no further premium payments from you.


The nursing home must be primarily engaged in providing skilled nursing care under the supervision of a licensed physician. Nursing home does not include a home or facility used primarily for rest; for the care of drug addicts or alcoholics; for the care and treatment of mental diseases or disorders; or for custodial care. Premiums will be waived until age 80 if you are in a nursing home. At that time, you can exchange your coverage for permanent life insurance.

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What isn't covered?
There’s one 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.
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Will I need a medical exam for this coverage?
No, you don’t have to see a doctor or take any medical tests. Your acceptance is based on your answers to three health questions and other information you provide or give us permission to obtain.
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Does this coverage have a waiting period?
No, there is no waiting period once your coverage takes effect.
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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 Level Benefit Term 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 Level Benefit Term Life Insurance page shows the affordable current monthly rates. As you age, your rates will increase as you enter each new five-year age band. To see details, please review the  rate chart.
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How long can I keep this insurance?
You can keep this insurance until age 80, provided premiums are paid when due and your Enrollment Form contains no material misrepresentations about your medical history.
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Is there any way I can be insured past age 80?
Yes. You can exchange your AARP Level Benefit Term Life Insurance for AARP-endorsed group permanent life insurance until insurance ends at age 80 or any time before that. The exchange privilege is guaranteed, and you will not be required to take any medical tests or answer a single health question. Rates will be based on your age at that time.
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Does this coverage include a “living benefit”?

Yes. 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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What if I’m 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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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.
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How do I get started?
Just request an AARP Level Benefit Term Life Insurance free information kit. It includes an application and complete information about how to apply.
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Request a Free Information Kit and Enrollment Form by Mail »

Includes details on costs, eligibility, renewability, limitations and exclusions. Residents of OR: You must be an AARP member to request a free Information Kit and Enrollment Form.

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 and its affiliates are not insurers. AARP does not employ or endorse agents, producers, or brokers. 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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