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Whole life insurance with chronic care benefits

Valuable whole life coverage

Choose up to $100,000 in group protection that can help pay costs associated with future chronic care expenses.

Easy application

Easily apply online in minutes. No medical exam, just health and other information.

Protect your family

Help your loved ones with funeral costs, rent or mortgage payments, unpaid bills and more.

Who is eligible

Not an AARP member? No problem! We’ll tell you how to join.

New York Life: a trusted name for over 175 years



“Exceptionally Strong”


“Highest Quality”


“Very Strong”


Ratings as of 10/18/2022. 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.

Need more than $100,000 in whole life coverage?

Call New York Life's Customer Experience Team (800) 247-2055

Monday to Friday: 8 a.m. to 8 p.m. (ET)

Product not available in all states. Online application not available in all states. Available to AARP members ages 50-80 and their spouses/partners ages 45-80. 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.

This is a life insurance product that has a feature for a one-time accelerated payment of the face amount in the event that you are certified as either chronically or terminally ill.

Living Benefit: Please note that receipt of “living benefit” (accelerated benefit) insurance proceeds may affect your eligibility for public assistance programs. Proceeds may be taxable. You may wish to consult your financial adviser and/or attorney to determine how this may affect your personal situation. Premiums will be lower when the benefit amount decreases by one-half.

*To receive payments for the chronic care acceleration benefit, you must have a permanent chronic illness for at least 90 consecutive days that leaves you unable to perform two of six activities of daily living without substantial assistance (bathing, dressing, eating, continence, toileting, and transferring) or with a permanent, severe cognitive impairment requiring substantial supervision. Before a claim is approved, New York Life requires proof of a chronic illness as described in the Certificate.

There may be lower-cost permanent life products available with lower benefit amounts and different features, including: a guaranteed acceptance product that includes a two year limited benefit period and a permanent product without the chronic illness acceleration feature.

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. (Group policy forms AA-66, AA-74, AA-80, AA-81, and AA-83 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.