Apply for affordable Term Life
Insurance with no medical exam...
just health information.

AARP Term Life Insurance
from New York Life Insurance Company

Free Gift No Obligation
  • Affordable rates
  • No medical exam—acceptance is based on answers to
    three health questions and other information you
    provide or give us permission to obtain
  • No waiting period
  • Group coverage from $10,000 to $100,000

“I feel good knowing my family
has protection if something
should happen to me.”

Affordable coverage your family may need for:

  • Help with final costs
    medical and funeral bills
  • Help with everyday living expenses
    mortgage payments, rent, utilities
  • Help with unpaid bills
    credit cards, loans, or other debts
  • Not an AARP member yet? It's easy to join AARP and apply
    for life insurance coverage at the same time.

Start here with a
FREE instant quote.

Apply Online in Minutes

Edit Your Quote

Plus, get a free information kit by mail.
- -
If you know your
membership number,
enter it here
You can join AARP and
apply for life insurance
at the same time. Information on becoming an AARP member will be sent to you.
Looking for higher coverage?

New York Life offers a variety of life insurance options and coverage amounts to fit your specific needs.

For more information or coverage options
over $100,000 call:


Monday - Friday: 8 a.m. - 10 p.m. (ET)
Saturday: 9 a.m. - 5 p.m. (ET)


Features and Benefits
Who is Eligible
AARP members ages 50 to 74 and spouses ages 45 to 74 are eligible to apply for this group coverage. An online application may not be available in all states. If you aren’t yet an AARP member, you can join AARP and apply for Level Benefit Term Life Insurance at the same time. To learn more about the benefits of AARP membership, click here.

Protection to Age 80
This insurance coverage can never be cancelled without your consent—regardless of your health. As long as you pay premiums when they're due and your Enrollment Form contains no misrepresentations about your medical history, you're covered to age 80.1

Guaranteed Exchange Privilege
At any time until insurance ends at age 80, you can exchange Level Benefit Term Life for permanent life insurance without a medical exam. Rates will be based on your age at that time.

30-Day Guarantee
You'll receive a Certificate of Insurance when coverage is approved. If you decide the coverage isn't for you, for any reason, you can return it within 30 days for a refund.
An Exclusion
If death results from suicide in the first two years, benefits will not be paid.2 (In Washington, specific state rules apply.)

Benefits Won’t Decrease
Your benefits will remain the same for the full length of your coverage—even if your health declines.

Premiums are arranged in five-year age bands, and increase as you enter each new band.

Accelerated Benefit
If you're diagnosed with a terminal illness and given a life expectancy of 12 months or less (24 months in Illinois and Texas), you can access half your benefit amount.3 (Not available in Massachusetts and Washington.)

Waiver of Premium for Certain Qualified Nursing Home Confinements
Premiums will be waived after 180 consecutive days of a nursing home stay ordered by your doctor.4 Your coverage will continue without interruption, but no premium payment will be required for as long as you're confined.

Underwriting Information: In addition to the information that is furnished in the application, we may use your signed authorization to request medical information and prescription drug history from your physician, hospital or other health care provider, pharmacy, pharmacy benefit manager or medical information retrieval service. We may disclose information we collect about you as required or permitted by law.

You have a right of access to certain personal information we maintain in our files about you. You may request correction, amendment, or deletion of any information to which you may have access. You may receive a full description of your rights to access, correct, amend or delete information by writing to us at the address on the Enrollment Form.

1 During the first two years, New York Life reserves the right to cancel your insurance policy if your enrollment form contains misrepresentations concerning your medical history.

2 Missouri and North Dakota Residents: The suicide exclusion applies only for one year.

3 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 advisor and/or attorney to determine how this may affect your personal situation. Premiums will be lower when the benefit amount decreases by one-half.

Texas Residents: Death benefits will be reduced if a "living benefit" (accelerated death benefit) is paid. The acceleration of life insurance benefits offered under this certificate is intended to qualify for favorable tax treatment under the IRC of 1986. If these benefits qualify for favorable tax treatment, the benefits are excludable from your income and not subject to taxation. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration of life insurance benefits excludable from income under federal law. Receipt of acceleration of life insurance benefits could also affect you and your family’s eligibility for public assistance programs (Medicaid, AFDC, SSI, or drug assistance). You are advised to consult with a qualified tax advisor and with social service agencies to determine how receipt of these benefits will affect your eligibility for public assistance. Premiums will be lower when the benefit amount deceases by one-half.

Florida Residents: In order to protect against the unintended cancellation of your life insurance coverage, you have the opportunity to have copies of lapse notices sent to another individual whom you designate. A designation form for this will be included with your Certificate of Insurance.

4 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.

Pursuant to Texas Administrative Code 28 TAC § 21.107(d) this provides notification that the association’s directors are not elected by its members and the directors may approve rate increases.

Privacy Notice:
Your privacy is important to New York Life Insurance Company. We maintain physical, electronic and procedural safeguards that meet state and federal laws. Information we collect, such as name and address, about individuals who request product information will be shared:
• With AARP and its subsidiaries to analyze members' needs and interests. AARP may use non-member information to seek memberships. AARP may share non-health information with other AARP service providers to inform you of member benefits and services that may be of interest.
For residents of certain states, we will not share your information unless you permit us to do so. We will follow your state's privacy law if it differs from the policy described in this notice. To request a copy of our complete privacy notice or to request that your information not be shared, call 1-866-687-5160. You have the right to access certain information we maintain in our files about you.
You may request that we correct, amend or delete it. To receive a full description of these rights, write to us at the address on the Enrollment Form.