Learn more about our life insurance products, managing your coverage and account, filing claims, and find answers to other common questions.

About AARP Young Start Life Insurance coverage

AARP members can simply request a free information kit by mail. It includes an application and complete information about how to apply for AARP Young Start. Not an AARP member yet? Click here to join. Once an AARP member, you can request a free information kit by mail.

This is permanent life insurance, a gift children won’t break or outgrow. By starting coverage for your children or grandchildren now, you’re giving them protection they can keep their entire lives, regardless of health, jobs, or hobbies. It’s a head start on future financial security. Over time, it builds cash value.

No, he or she will not have to see a doctor or take any medical tests. Acceptance is based on answers to three simple health questions. Residents of Florida: Acceptance is based on answers to four simple health questions.

No. 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 older. You and your spouse/partner can enroll in AARP for just $16 a year. Click here to join AARP now.

The beneficiary will be the child’s parent, guardian or estate representative until the child turns 21. At that time, he or she can change the beneficiary.

This is permanent life insurance, which your child or grandchild can keep for life as long as premiums are paid and there were no material misrepresentations on your original application. At age 21, the child will become the owner of the policy and will be responsible for paying premiums.

As long as this life insurance coverage is in effect for two years prior to your death, further premiums will be waived for each child until he or she turns 21. At that time, to continue coverage, future premiums will become his or her responsibility.

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.

There’s no risk with this 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.

Rate Information

No. Once a child is covered by AARP Young Start Life insurance from New York Life Insurance Company, he or she can’t be singled out for a rate increase. 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.

Additional Information

Yes. New York Life Insurance Company has the only AARP-endorsed life insurance program that is available exclusively to AARP members.

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