See your rate and apply in minutes
Not a member yet? You can join AARP and apply for coverage all at the same time.
AARP Guaranteed Acceptance Life Insurance from New York Life Insurance Company
Want to learn more? There are plenty of reasons to believe in the AARP Life Insurance Program from New York Life.
It depends. Factors like your age and how much coverage you purchase can all affect how much you pay. But one thing’s for sure: AARP Guaranteed Acceptance Life from New York Life provides simple, reliable coverage, so you always know what you’re paying for. Is it expensive? Look to see if there is an amount that fits your budget.
New York Life offers the only life insurance program endorsed by AARP. And with over a 175-year history of keeping our promises to our policyholders, you can count on us to be here when your loved ones need us most.
The AARP Life Insurance Program is underwritten by New York Life. We’ve been standing behind our promises to AARP members for more than 30 years. We also have the highest financial strength ratings✝ awarded to any U.S. life insurance provider, so you can rest easy knowing your family’s future is in safe hands.
✝ Ratings as of 5/19/25. 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.
Any questions?
If you have other questions that we can help with, or if you’re looking for customized coverage of more than $30,000*, just get in touch to talk through the options.
Call New York Life's Customer Experience Team
Monday to Friday: 8 a.m. to 8 p.m. (ET)
Not Available in NJ.
Rates for this coverage are lower than the guaranteed acceptance product previously offered, which included an accelerated benefit for terminal illness.
*Lower 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.
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.
