AARP Young Start
Life Insurance

Give a child or grandchild up to $20,000 of affordable life insurance they can keep for their entire lives. AARP Young Start from New York Life Insurance Company is permanent coverage available exclusively to AARP members, and offers:

  • Coverage that can continue for life
  • Low childhood rates
  • No medical exam, just three health questions*

* Florida Residents: Four health questions are required.
Not available in New York or Washington
AARP Young Start Life Insurance
Get a Free Information Kit, Including Complete Details and Affordable Rates
AARP members: Request a Free Information Kit, Including Complete Details and Affordable Rates
 
  • Talk to a Life Insurance
    Representative

    Call New York Life to speak with
    an experienced representative:
    1-800-865-7927
    Mon - Fri: 8 a.m. to 10 p.m. (ET)
    Sat: 9 a.m. to 5 p.m. (ET)
  • Common Questions
    About This Insurance

    • Will my child or grandchild need a medical exam for this coverage?
    • Why buy life insurance for a child?
    • Can I purchase AARP Young Start if I am not an AARP member?
    More Q&A »
  • From New York Life
    Insurance Company,
    Endorsed by AARP

    The AARP Life Insurance
    Program from New York Life
    Insurance Company is endorsed
    by AARP, a nonprofit
    membership organization that
    helps people 50 and over
    improve the quality of their lives.

    What Makes
    New York Life
    Different »

Features and Benefits

  • Up to $20,000 in life insurance coverage
  • Permanent insurance a child or grandchild can keep for life
  • Low childhood rates
  • A child can never be singled out for a rate increase
  • No medical exam
  • Acceptance based on answers to three simple health questions*
  • Simple application

Who is Eligible
AARP members ages 50 to 80 are eligible to purchase AARP Young Start coverage for their children or grandchildren up to 17 years old. If you aren’t yet an AARP member, click here to join now. To learn more about the benefits of AARP membership, click here.

Lifetime Protection
This is permanent life insurance children can keep for their entire lives, regardless of their future health, jobs or hobbies. It’s a great way to start the children you love on the road to future financial security. Best of all, the price is affordable, so you can help protect the children you love.

Low Childhood Rates
The low childhood rates are shown in the chart below. Even when the children are adults, they will pay premiums based on low childhood rates. A child can never be singled out for a rate increase, even if coverage is kept for his or her entire lifetime.

*Florida Residents: Four health questions are required.

Features and Benefits

Current Monthly Premiums for Children

Benefit Amount Monthly Premium
$10,000 $5.00
$15,000 $7.50
$20,000 $10.00
Premiums above are the rates New York Life currently charges for each child insured. Premiums are not guaranteed. However, rates may change only if they are changed for all others in the same class of insureds under this group/individual policy. For example, a class of insureds is a group of people with the same issue age and gender. If relevant statements of age or facts are not accurate, New York Life will make a fair adjustment of premiums and/or insurance. Residents of Florida: Michael Horan is a licensed Florida agent for service to Florida residents.

Ready to Get Started?

Get a Free Information Kit, Including Complete Details and Affordable Rates AARP members can request a free information kit to apply by mail now.
Not an AARP member yet? Click here to join AARP. Once a member,
you can request a free information kit by mail.

No Medical Exam
There is no physical examination or medical tests; acceptance is based on answers to three simple health questions for each child (Florida residents are required to answer four health questions).

Valuable Premium Waiver Feature
This coverage includes a valuable feature that guarantees uninterrupted coverage if you die while an insured child is under age 21. As long as coverage is in effect for two years prior to death, further premiums will be waived for each child until he or she turns 21. At that time, future premiums will become his or her responsibility.

The Beneficiary
The beneficiary will be the child’s parent, guardian or estate representative. At age 21, the child will become the owner and be able to change the beneficiary.

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.

An Exclusion
If death results from suicide in the first two years, benefits will not be paid.1

Simple Application
It doesn’t take a lot of time or paperwork to apply for AARP Young Start. AARP members can apply by mail, quickly and easily. There’s absolutely no cost or obligation when you request information.

We'll Be There For You And Your Family

Ratings as of 7/01/2014.

1 Missouri and North Dakota Residents: This suicide exclusion applies only for one year.

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).

1271-7100714-JUV

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