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Guaranteed acceptance.
Lifetime protection.

AARP Guaranteed Acceptance Life Insurance from
New York Life Insurance Company

  • Rates are now 21% lower on average1
  • No medical exam, no health questions. Limited benefits in the first two years.
  • Coverage up to $30,0001, acceptance is guaranteed*

Start here with a FREE instant quote from New York Life.

Plus get a free information kit† by mail



Guaranteed Acceptance Life Insurance, exclusively for AARP members

Guaranteed acceptance

Your acceptance is guaranteed*, and your rates will never go up. You can keep this permanent group insurance your entire life.

Easy application

Easily apply online in minutes. There is no medical exam and no health questions.

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

“Superior”

A++

A.M. Best

“Exceptionally Strong”

AAA

Fitch Ratings

“Highest Quality”

Aaa

Moody's Investors Service

“Very Strong”

AA+

Standard & Poor’s

Ratings as of 11/17/2023. 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 $30,000 in coverage?

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

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

Not Available in NJ.

1Lower 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.
† 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. (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.