AARP Guaranteed
Acceptance Life Insurance

from New York Life Insurance Company

Provides up to $25,000 of permanent group life insurance – acceptance guaranteed* – exclusively for AARP members from New York Life Insurance Company. There’s no medical exam and health questions. This affordable coverage can help:

  • Cover medical and funeral expenses
  • Pay other bills you may leave behind
  • Provide a little extra peace of mind for your family

*Subject to program coverage limits.
Not available in New Jersey and Washington. Alternate product available for New York residents.
AARP Guaranteed Acceptance Life Insurance
Get a Rate Quote and Free Information Kit
Apply online now
Get Info by Mail

Features and Benefits

  • Up to $25,000 in life insurance coverage
  • No medical exam
  • No health questions
  • Guaranteed rates that will never increase
  • Permanent insurance you can keep your entire life
  • Simple application; acceptance is guaranteed*
  • Limited benefits for first two years
  • Higher coverage options also available. Call 1-800-865-7927

Who is Eligible
AARP members ages 50 to 80 and spouses ages 45 to 80 are eligible to apply.* In most states, if you aren't yet an AARP member, you can join AARP and apply for Guaranteed Acceptance Life insurance at the same time.1 To learn more about the benefits of AARP membership, click here. An online application may not be available in all states. This product is not available to residents of New Jersey and Washington. An alternate product is available for New York residents.

Acceptance Guaranteed
You can’t be turned down* for Guaranteed Acceptance Life Insurance as long as you are an AARP member ages 50 to 80 (45 to 80 for spouses of AARP members).* It really is that simple.

No Medical Exam or Health Questions
You don’t need to see a doctor, take any medical tests or answer any health questions. In fact, you never have to provide a single detail about your current health or medical history.

Features and Benefits

Guaranteed Monthly Premiums

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Don't see your age listed in the chart below?
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Rates for Men

Issue Age
$2,500 $5,000 $10,000 $15,000 $25,000
10.59 20.19 39.38 58.56 96.94
Age 45 10.59/month 20.19/month 39.38/month 58.56/month 96.94/month
Age 46 10.82/month 20.65/month 40.29/month 59.94/month 99.23/month
Age 47 11.07/month 21.13/month 41.26/month 61.39/month 101.65/month
Age 48 11.32/month 21.63/month 42.27/month 62.90/month 104.17/month
Age 49 11.59/month 22.17/month 43.34/month 64.51/month 106.85/month
Click below to view additional rates
11.86 22.73 44.45 66.18 109.63
Age 50 11.86/month 22.73/month 44.45/month 66.18/month 109.63/month
Age 51 12.16/month 23.31/month 45.63/month 67.94/month 112.56/month
Age 52 12.46/month 23.93/month 46.85/month 69.78/month 115.63/month
Age 53 12.79/month 24.58/month 48.16/month 71.74/month 118.90/month
Age 54 13.13/month 25.26/month 49.53/month 73.79/month 122.31/month
Age 55 13.49/month 25.99/month 50.98/month 75.96/month 125.94/month
Age 56 13.88/month 26.76/month 52.52/month 78.28/month 129.79/month
Age 57 14.29/month 27.58/month 54.15/month 80.73/month 133.88/month
Age 58 14.72/month 28.44/month 55.88/month 83.31/month 138.19/month
Age 59 15.18/month 29.36/month 57.72/month 86.08/month 142.79/month
Click below to view additional rates
15.67 30.35 59.69 89.04 147.73
Age 60 15.67/month 30.35/month 59.69/month 89.04/month 147.73/month
Age 61 16.20/month 31.40/month 61.79/month 92.19/month 152.98/month
Age 62 16.76/month 32.52/month 64.04/month 95.56/month 158.60/month
Age 63 17.28/month 33.55/month 66.10/month 98.65/month 163.75/month
Age 64 17.80/month 34.60/month 68.20/month 101.80/month 169.00/month
Age 65 18.36/month 35.72/month 70.44/month 105.16/month 174.60/month
Age 66 18.96/month 36.92/month 72.83/month 108.75/month 180.58/month
Age 67 19.60/month 38.20/month 75.40/month 112.60/month 187.00/month
Age 68 20.29/month 39.58/month 78.16/month 116.74/month 193.90/month
Age 69 21.03/month 41.06/month 81.13/month 121.19/month 201.31/month
Click below to view additional rates
21.83 42.67 84.33 126.00 209.33
Age 70 21.83/month 42.67/month 84.33/month 126.00/month 209.33/month
Age 71 22.70/month 44.40/month 87.80/month 131.20/month 218.00/month
Age 72 23.64/month 46.29/month 91.58/month 136.86/month 227.44/month
Age 73 24.67/month 48.35/month 95.69/month 143.04/month 237.73/month
Age 74 25.80/month 50.60/month 100.20/month 149.80/month 249.00/month
Age 75 26.00/month 51.00/month 101.00/month 151.00/month 251.00/month
Age 76 26.21/month 51.42/month 101.83/month 152.25/month 253.08/month
Age 77 26.42/month 51.83/month 102.67/month 153.50/month 255.17/month
Age 78 26.63/month 52.25/month 103.50/month 154.75/month 257.25/month
Age 79 26.83/month 52.67/month 104.33/month 156.00/month 259.33/month
Click below to view additional rates
27.04 53.08 105.17 157.25 261.42
Age 80 27.04/month 53.08/month 105.17/month 157.25/month 261.42/month
Higher coverage options also available Call 1-800-865-7927

Rates for Women

Issue Age
$2,500 $5,000 $10,000 $15,000 $25,000
8.38 15.75 30.51 45.26 74.77
Age 45 8.38/month 15.75/month 30.51/month 45.26/month 74.77/month
Age 46 8.71/month 16.43/month 31.85/month 47.28/month 78.13/month
Age 47 9.05/month 17.10/month 33.21/month 49.31/month 81.52/month
Age 48 9.42/month 17.83/month 34.67/month 51.50/month 85.17/month
Age 49 9.78/month 18.57/month 36.13/month 53.70/month 88.83/month
Click below to view additional rates
10.05 19.10 37.20 55.30 91.50
Age 50 10.05/month 19.10/month 37.20/month 55.30/month 91.50/month
Age 51 10.30/month 19.59/month 38.18/month 56.78/month 93.96/month
Age 52 10.55/month 20.10/month 39.21/month 58.31/month 96.52/month
Age 53 10.87/month 20.75/month 40.49/month 60.24/month 99.73/month
Age 54 11.21/month 21.43/month 41.85/month 62.28/month 103.13/month
Age 55 11.57/month 22.14/month 43.28/month 64.41/month 106.69/month
Age 56 11.95/month 22.90/month 44.80/month 66.70/month 110.50/month
Age 57 12.36/month 23.71/month 46.43/month 69.14/month 114.56/month
Age 58 12.77/month 24.53/month 48.07/month 71.60/month 118.67/month
Age 59 13.20/month 25.40/month 49.81/month 74.21/month 123.02/month
Click below to view additional rates
13.67 26.34 51.68 77.01 127.69
Age 60 13.67/month 26.34/month 51.68/month 77.01/month 127.69/month
Age 61 14.17/month 27.34/month 53.68/month 80.01/month 132.69/month
Age 62 14.70/month 28.41/month 55.82/month 83.23/month 138.04/month
Age 63 15.20/month 29.40/month 57.80/month 86.20/month 143.00/month
Age 64 15.71/month 30.42/month 59.84/month 89.26/month 148.10/month
Age 65 16.25/month 31.51/month 62.02/month 92.53/month 153.54/month
Age 66 16.84/month 32.67/month 64.34/month 96.01/month 159.35/month
Age 67 17.46/month 33.92/month 66.84/month 99.76/month 165.60/month
Age 68 18.11/month 35.22/month 69.43/month 103.65/month 172.08/month
Age 69 18.81/month 36.61/month 72.23/month 107.84/month 179.06/month
Click below to view additional rates
19.56 38.12 75.24 112.36 186.60
Age 70 19.56/month 38.12/month 75.24/month 112.36/month 186.60/month
Age 71 20.38/month 39.75/month 78.50/month 117.25/month 194.75/month
Age 72 21.26/month 41.53/month 82.05/month 122.58/month 203.63/month
Age 73 22.23/month 43.46/month 85.93/month 128.39/month 213.31/month
Age 74 23.29/month 45.58/month 90.17/month 134.75/month 223.92/month
Age 75 23.52/month 46.04/month 91.08/month 136.13/month 226.21/month
Age 76 23.75/month 46.50/month 92.00/month 137.50/month 228.50/month
Age 77 23.98/month 46.96/month 92.92/month 138.88/month 230.79/month
Age 78 24.21/month 47.42/month 93.84/month 140.26/month 233.10/month
Age 79 24.44/month 47.88/month 94.77/month 141.65/month 235.42/month
Click below to view additional rates
24.67 48.35 95.69 143.04 237.73
Age 80 24.67/month 48.35/month 95.69/month 143.04/month 237.73/month
Higher coverage options also available Call 1-800-865-7927
Premiums above are based on your age at issue. Residents of Florida: Michael Horan is a licensed Florida agent for service to Florida residents. Guaranteed Acceptance Life not available in NJ and WA. In NY, available to AARP members and their spouses ages 50-75. Residents of MA and MT have rates different from those shown; please click here for a personalized rate quote specific to your state.
Ready to Get Started?
Apply online or request a free information kit to apply by mail (online application may not be available in your state). Not an AARP member yet? It's easy to join AARP and apply for life insurance at the same time.¹

Guaranteed Rates Will Never Increase
Your monthly premium is based on your age when you apply, and will never increase for any reason. Due to guaranteed acceptance without medical underwriting, the premium includes an extra mortality risk charge. Medically underwritten products are also available.

Guaranteed Lifetime Protection
This is permanent life insurance you can keep for your entire lifetime, provided premiums are paid when due, unlike term insurance coverage that may end at a certain age. That’s important if you want to be sure to leave life insurance benefits for your loved ones, regardless of how long you live.

Limited Benefit Period
Because acceptance is guaranteed, death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary receives an amount equal to 125% of the premiums paid. Full benefits will be paid for accidental death from first day of coverage. (PA, MN, and MO residents have different benefits payable; see below for details)**

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.

Benefits Won’t Decrease
After the first two years, your benefits are guaranteed to never decrease for as long as you're insured, regardless of changes in age or health.

Paid-Up Feature
Your monthly premium payments will end at age 95, but coverage will continue in full for the rest of your life.

An 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.

Accelerated Benefit
After the first two years of coverage, 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.2 (Not available in Massachusetts.)

Simple Enrollment Form
It only takes a few minutes for AARP members to apply by mail or online (in most states) for AARP Guaranteed Acceptance Life. There’s absolutely no cost or obligation when you request information.

Apply Online Now »

Get Info by Mail »

We'll Be There For You and Your Family

Ratings as of 2/1/2016.

Think You Might Want More Coverage?

At New York Life, we have a variety of coverage amounts and insurance options to fit your specific needs. For assistance finding the right protection, give us a call and we’ll be happy to assist you.

Call New York Life at
Mon - Fri: 8 a.m. to 10 p.m. (ET)
Sat: 9 a.m. to 5 p.m. (ET)

A.M. Best, Fitch and Moody's Investors Service Highest Rating. Standard and Poor's Second-Highest Rating.

* If you’re already insured with the program, the full coverage ammount may not be available.
Call for details. Available to AARP members ages 50 - 80 and their spouses ages 45 - 80. Not available in NJ and WA. In New York, available to AARP members and their spouses ages 50 - 75.

**Pennsylvania residents: The standard benefit is payable (125% of premiums paid during the first two years) unless the minimum death benefit payable is greater during the first two years. The description of the minimum death benefit payable to the beneficiary is as follows: (a) for issue age 45 minimum benefits are paid as follows: for death during the first year, 15% of the amount in force and for death during the second year, 40% of the amount in force; (b) for issue ages 46 through 55 minimum benefits are paid as follows: for death during the first year, 10% of the amount in force and for death during the second year, 30% of the amount in force; and (c) for issue age 56 or over, for death during the first year, a minimum benefit of 120% of premiums due and payable through the first year is paid and for death during the second year, the greater of 15% of the amount in force or 130% of premiums due and payable through the first and second years is paid.

For Missouri residents whose age at issue is 76 or over, a minimum benefit of 50% of the amount in force is paid, if death occurs during the first two years.

For Minnesota residents, the minimum benefit payable is 400% of premiums due and payable through the first year, if death occurs during the first 2 years.

1Oregon Residents: You must be an AARP member to request a free Information Kit and Enrollment Form.

2Please 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, Cash Values and Loan Values 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 decreases 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.

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.

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 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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© 2016 New York Life Insurance Company. All rights reserved.