AARP Guaranteed Acceptance Life Insurance from
New York Life Insurance Company
Plus get a free information kit† by mail
Your acceptance is guaranteed*, and your rates will never go up. You can keep this permanent group insurance your entire life.
Easily apply online in minutes. There is no medical exam and no health questions.
Help your loved ones with funeral costs, rent or mortgage payments, unpaid bills and more.
Not an AARP member? No problem! We’ll tell you how to join.‡
Ratings as of 11/17/2023. New York Life Insurance Company has the highest ratings for financial strength currently awarded to any U.S. life insurer from the leading independent rating services: A.M. Best, Fitch and Moody's Investors Service Highest Rating, Standard & Poor's Second-Highest Rating.
Call New York Life's Customer Experience Team (800) 247-2055
Monday to Friday: 8 a.m. to 8 p.m. (ET)
Not Available in NJ.
1Lower premiums are not available in GU, MN, MO, MT, NY, OR, USVI, with coverage to $25,000. Rates vary based on age, gender and coverage amount and are lower than the guaranteed acceptance product previously offered, which included an accelerated benefit for terminal illness. In LA, the rates for the product at age 80 are higher compared to the previous product, which also did not offer an accelerated benefit for terminal illness.
* If you're already insured with the program, the full coverage amount may not be available. Available to AARP members ages 50 - 85 and their spouses/partners ages 45 - 85. Residents of GU, MN, MO, MT, OR, USVI: Available to AARP members ages 50 - 80 and their spouses/partners ages 45 - 80. Residents of NY: available to AARP members and their spouses ages 50 – 75. For other amounts or higher coverage options call New York Life at 1-800-607-6957.
† Includes details on costs, eligibility, renewability, limitations and exclusions.
‡ Not eligible for non-AARP members in AK, LA, and OR.
The licensed life insurance agent is D. N. Ogle (Arkansas #17009138, California #0L37586).
The AARP Life Insurance Program is underwritten by New York Life Insurance Company, New York, NY 10010 (NAIC #66915). 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. There are other products available under the Program that have different costs, benefit amounts, coverage lengths, underwriting, and other features like chronic illness acceleration. Click here or call for details. (Group policy forms AA-81 and AA-85 issued in the District of Columbia.)
New York Life 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 and do 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.
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.
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