AARP Level Benefit Term Life Insurance from
New York Life Insurance Company
Now with new, lower rates1
Term rates starting at $11 a month*
No medical exam, just health info
Most who apply are accepted
AARP Level Benefit Term Life Insurance from New York Life Insurance Company
Now with new, lower rates1
Term rates starting at $11 a month*
No medical exam, just health info
Most who apply are accepted
Plus get a free information kit† by mail
Term Life Insurance premiums are the payments you make to keep your coverage in effect. AARP Term Life Insurance from New York Life has lower initial rates that increase over time in 5-year age bands. By filling out the form above and clicking See my rate, you can see your initial monthly rates as well as a rate chart with complete details.
AARP Term Life Insurance from New York Life provides protection for AARP members ages 50-74 and their spouses/partners ages 45-74. You can keep this insurance until age 80, provided premiums are paid when due and your Enrollment Form contains no material misrepresentations about your medical history.
This Term life coverage has lower initial rates that increase over time and it ends at age 80. However, New York Life also offers different whole life coverage that can last for life. It’s easy to exchange your AARP Level Benefit Term Life Insurance for AARP Permanent Life Insurance when insurance ends at age 80 or any time before that. Rates are based on your age at the time of exchange.
No, you don’t have to see a doctor to take any medical tests. Your acceptance is based on your answers to health questions and other information you provide or give us permission to obtain.
Yes, you can exchange your AARP Level Benefit Term Life Insurance for AARP Permanent Life Insurance when insurance ends at age 80 or any time before that. The exchange privilege is guaranteed and can last for life, and you will not be required to take any medical tests or answer a single health question. Rates will be based on your age at that time.
Yes. You do not need to be an AARP member to get a free quote in seconds. Membership is required for coverage, and you can quickly and easily apply online for life insurance from New York Life and join AARP at the same time.
Choose from $10,000 to up to $150,000 in group protection. Most who apply are accepted.
Easily apply online in minutes. No medical exam, just health and other information.
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 9/30/25. 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 and Fitch’s Highest Rating, and Moody’s Investors Service and 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)
Online application may not be available in all states. Available to AARP members ages 50-74 and their spouses/partners ages 45-74. For other amounts or higher coverage options call New York Life at (800) 607-6957.
*The rate of $11/month is for a female, age 50, non-smoker for $10,000 of coverage.
Residents of MA, MS, NM, WV: rates start at $8/month and are the Preferred rates for a female, age 50, for $10,000 of coverage.
Residents of AZ, SC, WY: rates start at $7/month and are the Preferred rates for a female, age 50, for $10,000 of coverage.
1New lower rates compared to previously offered term coverage. Rates aren’t guaranteed and increase in five-year age bands — all age bands are now lower, except 75-79 remains the same. Not available in NY or MT. Residents of AZ, MA, MS, NM, SC, WV, WY: New lower Preferred rates compared to previously offered term coverage with different rate classes. Rates are not guaranteed and increase in five-year age bands. New York Life has three rate classes for this product: Preferred, Non-smoker, and Smoker. Preferred Rates are available to the healthiest non-smoking applicants; others receive Non-Smoker or Smoker Rates based on health information.
† 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 form AA-74, AA-86, and AA-87 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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