AARP Permanent
Life Insurance

from New York Life Insurance Company

Provides up to $50,000 of permanent group life insurance, exclusively for AARP members. No medical exam is required – acceptance is based on your answers to three health questions, and most who apply are accepted. It’s a simple way to get lifetime coverage that can help:

  • Pay medical and funeral bills, or other obligations you may leave behind
  • Meet everyday living expenses
  • Leave a gift or added financial cushion for someone special

New York Residents: Alternate Permanent Life products are available.

AARP Permanent Life Insurance
Get a Rate Quote and Free Information Kit
Apply online now
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  • Talk to a

    Call New York Life at

    for questions or for higher coverage options.
    Mon - Fri:
    8 a.m. to 10 p.m. (ET)
    9 a.m. to 5 p.m. (ET)
  • Common Questions
    About This Insurance

    • How much life insurance should I have?
    • I already have life insurance, should I consider getting more?
    • What isn't covered?
    More Q&A »
  • Strength of
    New York Life, Program
    Endorsed by AARP

    The AARP Life Insurance Program from New York Life is endorsed by AARP, a non-profit membership organization that helps people 50 and over improve the quality of their lives.

    What Makes
    New York Life
    Different »

Features and Benefits

  • Up to $50,000 in life insurance coverage
  • Guaranteed rates that will never increase
  • No medical exam - just three health questions
  • No waiting period
  • Permanent insurance you can keep your entire life
  • Simple application; most who apply are accepted
  • 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.1 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 Permanent Life Insurance at the same time.2 To learn more about the benefits of AARP membership, click here.

No Medical Exam - Guaranteed
There is no physical examination or medical tests; your acceptance is based on your answers to three simple health questions. Most who apply are accepted.

Guaranteed Protection for Life
This is permanent life insurance you can keep for your entire lifetime, regardless of how long you live.

Features and Benefits

Guaranteed Monthly Premiums

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Don't see your age listed in the chart below?
Get a Personalized Rate Quote »

Rates for Men

Issue Age
$5,000 $10,000 $15,000 $25,000 $50,000
15.58 30.15 44.73 73.88 146.75
Age 45 15.58/month 30.15/month 44.73/month 73.88/month 146.75/month
Age 46 15.86/month 30.73/month 45.59/month 75.31/month 149.63/month
Age 47 16.16/month 31.33/month 46.49/month 76.81/month 152.63/month
Age 48 16.55/month 32.09/month 47.64/month 78.73/month 156.46/month
Age 49 16.81/month 32.63/month 48.44/month 80.06/month 159.13/month
Click below to view additional rates
17.09 33.18 49.28 81.46 161.92
Age 50 17.09/month 33.18/month 49.28/month 81.46/month 161.92/month
Age 51 17.39/month 33.78/month 50.16/month 82.94/month 164.88/month
Age 52 17.70/month 34.41/month 51.11/month 84.52/month 168.04/month
Age 53 18.32/month 35.64/month 52.96/month 87.60/month 174.21/month
Age 54 18.97/month 36.94/month 54.91/month 90.85/month 180.71/month
Age 55 19.67/month 38.33/month 57.00/month 94.33/month 187.67/month
Age 56 20.40/month 39.81/month 59.21/month 98.02/month 195.04/month
Age 57 21.19/month 41.38/month 61.56/month 101.94/month 202.88/month
Age 58 22.03/month 43.05/month 64.08/month 106.13/month 211.25/month
Age 59 22.92/month 44.84/month 66.76/month 110.60/month 220.21/month
Click below to view additional rates
23.88 46.76 69.64 115.40 229.79
Age 60 23.88/month 46.76/month 69.64/month 115.40/month 229.79/month
Age 61 24.91/month 48.82/month 72.73/month 120.54/month 240.08/month
Age 62 26.01/month 51.03/month 76.04/month 126.06/month 251.13/month
Age 63 27.21/month 53.42/month 79.63/month 132.04/month 263.08/month
Age 64 28.50/month 56.00/month 83.50/month 138.50/month 276.00/month
Age 65 29.52/month 58.03/month 86.55/month 143.58/month 286.17/month
Age 66 30.54/month 60.08/month 89.63/month 148.71/month 296.42/month
Age 67 31.60/month 62.20/month 92.80/month 154.00/month 307.00/month
Age 68 33.45/month 65.91/month 98.36/month 163.27/month 325.54/month
Age 69 35.43/month 69.85/month 104.28/month 173.13/month 345.25/month
Click below to view additional rates
37.51 74.02 110.53 183.54 366.08
Age 70 37.51/month 74.02/month 110.53/month 183.54/month 366.08/month
Age 71 39.72/month 78.44/month 117.16/month 194.60/month 388.21/month
Age 72 42.07/month 83.14/month 124.21/month 206.35/month 411.71/month
Age 73 45.25/month 89.49/month 133.74/month 222.23/month 443.46/month
Age 74 46.58/month 92.15/month 137.73/month 228.88/month 456.75/month
Age 75 47.66/month 94.32/month 140.98/month 234.29/month 467.58/month
Age 76 48.74/month 96.48/month 144.23/month 239.71/month 478.42/month
Age 77 49.83/month 98.65/month 147.48/month 245.13/month 489.25/month
Age 78 50.91/month 100.82/month 150.73/month 250.54/month 500.08/month
Age 79 51.99/month 102.98/month 153.98/month 255.96/month 510.92/month
Click below to view additional rates
53.08 105.17 157.25 261.42 521.83
Age 80 53.08/month 105.17/month 157.25/month 261.42/month 521.83/month
Higher coverage options also available Call 1-800-865-7927

Rates for Women

Issue Age
$5,000 $10,000 $15,000 $25,000 $50,000
12.41 23.83 35.24 58.06 115.13
Age 45 12.41/month 23.83/month 35.24/month 58.06/month 115.13/month
Age 46 12.88/month 24.76/month 36.64/month 60.40/month 119.79/month
Age 47 13.35/month 25.69/month 38.04/month 62.73/month 124.46/month
Age 48 13.91/month 26.82/month 39.73/month 65.54/month 130.08/month
Age 49 14.18/month 27.35/month 40.53/month 66.88/month 132.75/month
Click below to view additional rates
14.41 27.82 41.23 68.04 135.08
Age 50 14.41/month 27.82/month 41.23/month 68.04/month 135.08/month
Age 51 14.66/month 28.32/month 41.98/month 69.29/month 137.58/month
Age 52 14.92/month 28.84/month 42.76/month 70.60/month 140.21/month
Age 53 15.50/month 30.01/month 44.51/month 73.52/month 146.04/month
Age 54 16.13/month 31.26/month 46.39/month 76.65/month 152.29/month
Age 55 16.79/month 32.58/month 48.38/month 79.96/month 158.92/month
Age 56 17.50/month 34.00/month 50.50/month 83.50/month 166.00/month
Age 57 18.25/month 35.51/month 52.76/month 87.27/month 173.54/month
Age 58 19.03/month 37.06/month 55.09/month 91.15/month 181.29/month
Age 59 19.86/month 38.73/month 57.59/month 95.31/month 189.63/month
Click below to view additional rates
20.75 40.51 60.26 99.77 198.54
Age 60 20.75/month 40.51/month 60.26/month 99.77/month 198.54/month
Age 61 21.72/month 42.43/month 63.15/month 104.58/month 208.17/month
Age 62 22.75/month 44.50/month 66.25/month 109.75/month 218.50/month
Age 63 23.87/month 46.73/month 69.60/month 115.33/month 229.67/month
Age 64 24.73/month 48.46/month 72.19/month 119.65/month 238.29/month
Age 65 25.23/month 49.46/month 73.69/month 122.15/month 243.29/month
Age 66 26.30/month 51.61/month 76.91/month 127.52/month 254.04/month
Age 67 27.43/month 53.85/month 80.28/month 133.13/month 265.25/month
Age 68 29.22/month 57.44/month 85.66/month 142.10/month 283.21/month
Age 69 31.13/month 61.27/month 91.40/month 151.67/month 302.33/month
Click below to view additional rates
33.18 65.36 97.54 161.90 322.79
Age 70 33.18/month 65.36/month 97.54/month 161.90/month 322.79/month
Age 71 35.36/month 69.73/month 104.09/month 172.81/month 344.63/month
Age 72 37.70/month 74.39/month 111.09/month 184.48/month 367.96/month
Age 73 40.68/month 80.37/month 120.05/month 199.42/month 397.83/month
Age 74 41.97/month 82.93/month 123.90/month 205.83/month 410.67/month
Age 75 43.03/month 85.06/month 127.09/month 211.15/month 421.29/month
Age 76 44.09/month 87.18/month 130.28/month 216.46/month 431.92/month
Age 77 45.15/month 89.31/month 133.46/month 221.77/month 442.54/month
Age 78 46.22/month 91.43/month 136.65/month 227.08/month 453.17/month
Age 79 47.28/month 93.56/month 139.84/month 232.40/month 463.79/month
Click below to view additional rates
48.35 95.69 143.04 237.73 474.46
Age 80 48.35/month 95.69/month 143.04/month 237.73/month 474.46/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. Residents of MA, MT, and WA have rates different from those shown above. In WA, the maximum issue age is 67 years old. Ages 68-80, an alternate product is available. 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.2

No Waiting Period
You are covered for the full benefit amount from the first day coverage takes effect.

Guaranteed Rates Will Never Increase
Your monthly premium is based on your age when you apply, and will not increase simply because you grow older or your health changes.

Benefits Won’t Decrease
Benefits are guaranteed to never decrease for as long as your're insured- as long as you pay premiums when they're due and your Enrollment Form contains no misrepresentations about your medical history.3

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.

An Exclusion
If death results from suicide in the first two years, benefits will not be paid.4 (In Washington, specific state rules apply.)

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

Cash Value
Your coverage builds cash value over time that you can borrow against.5

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.6 (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.7 Your coverage will continue without interruption and no premium payment will be required - no matter how long you stay.

Simple Application
It only takes a few minutes for AARP members to apply by mail or online (in most states). 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.
1Washington Residents: The maximum issue age is 67 years old.

2Oregon Residents: You must be an AARP member to request a free Information Kit and Enrollment Form.

3During 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.

4Missouri and North Dakota Residents: The suicide exclusion applies only for one year.

5Loans accrue interest and decrease the death benefit and cash value by the amount of the outstanding loan and interest.

6Please 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.

7The 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.

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).


Privacy Policy

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