AARP (New York Life) Life Insurance Review [2021]

AARP (New York Life) life insurance is only available to AARP members who are at least 50 years old. Term and whole life insurance policies from AARP are available with no medical exams. New York Life administers all life insurance policies through AARP and customers contact them directly for quotes and account information.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Apr 20, 2021

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Quick Facts

  • AARP (New York Life) offers various term and whole life insurance options with no medical exam
  • In order to qualify for this insurance, you must be at least 50 years old and a member of AARP
  • AARP life insurance is much more expensive than average

AARP (New York Life) life insurance is only offered to members 50 years old and up. Rates for the term and whole life insurance offerings tend to be expensive, although you can get no-medical-exam life insurance. This might be a good option for people who can’t pass a medical exam and have been turned down for life insurance before.

Before you buy AARP (New York Life) life insurance, shop around to see what other companies can offer you. Enter your ZIP code now to compare multiple term and whole life insurance quotes for free.

What products does AARP (New York Life) offer?

Through New York Life, AARP offers a variety of life insurance options, including term life, whole life, and child life insurance.

In order to qualify for any of these coverages, you must be a member of AARP and at least 50 years old.

This table will break down the offered AARP (New York Life) term and whole life insurance coverages.

AARP (New York Life) Life Insurance Coverages Details
Plan DetailsLevel Benefit Term Life InsurancePermanent Life InsuranceEasy Acceptance Life Insurance
Protection Amount$10,000 to $100,000Up to $50,000Up to $25,000; Limited benefit for first 2 years
Coverage PeriodUp to age 80Can last your entire lifeCan last your entire life, guaranteed acceptance* unless you are currently terminally ill
RatesAffordable initial rates that increase over timeGuaranteed rates that never increase for any reasonGuaranteed rates that never increase for any reason
No Medical ExamAcceptance is based on your answers to health questions and other information you provideAcceptance based on answers to health questions and other informationOnly one simple health question; Includes extra mortality risk charge
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As with most no-medical-exam policies, AARP (New York Life) life insurance rates are very high, and the term life insurance rates go up over time. Unless you are unable to pass a medical exam, AARP life insurance may not be the best fit for you.

AARP also offers a whole life plan for a young child or grandchildren. The Young Start Life Insurance plan can be started for children up to age 17 and offers up to $20,000 in coverage.

You can get instant AARP (New York Life) life insurance quotes online or by calling  New York Life at 800-607-6957.

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What are the AARP (New York Life) ratings?

AARP life insurance is actually through New York Life so we will discuss ratings for both companies.

A.M. Best rates companies based on how financially stable they are. New York Life receives an A++ rating, meaning it has a superior ability to meet financial obligations. A.M. Best does not have rating information for AARP.

The Better Business Bureau (BBB) gives New York Life an A- rating and the company is not accredited. AARP received an A+ rating from the BBB, and it is not accredited either.

What is the history of AARP (New York Life)?

What is AARP? AARP helps address the needs of middle-aged and older people in the U.S. The group offers insurance, discounts on a variety of services, and even a pharmacy. It also offers retirement services and sponsors community service projects.

AARP was founded in 1958 as an offshoot of the National Retired Teachers Association (NRTA) as a way to offer life insurance to everyone not just teachers.

What does AARP stand for? The acronym stands for the American Association of Retired Persons.

New York Life was created in 1841 in New York City. In the last 180 years, it has grown into the third-largest life insurance company in the U.S. Products offered include life insurance, annuities, long-term care, and asset management.

New York Life administers all AARP insurance policies. Customers contact New York Life directly for account information. To learn more about the company, read our New York Life insurance review.

It should also be noted that Max New York Life insurance is not part of New York Life and is a separate company.

AARP (New York Life): The Bottom Line

You might not be able to find affordable AARP (New York Life) life insurance since rates are so high. However, if you have a medical condition that makes it hard to find life insurance, these plans might be worth the cost since you won’t have to undergo a medical exam.

Now that you’ve learned about AARP (New York Life) life insurance offerings, compare quotes from multiple companies to see who can offer you the best deal. Enter your ZIP code now to compare multiple quotes from companies near you today.

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