FAQs
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.
Please click here to view a copy of our privacy notice.
Question about your coverage?
Current customers can log in or create a new account to view coverage
details and manage their payments, beneficiaries, and more.