AARP Guaranteed Acceptance Life Insurance from
New York Life Insurance Company
AARP Guaranteed Acceptance Life Insurance from New York Life Insurance Company
Plus get a free information kit† by mail
Your acceptance is guaranteed*, and your rates will never go up. You can keep this permanent group insurance your entire life.
Easily apply online in minutes. There is no medical exam and no health questions.
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.‡
Guaranteed Acceptance Life Insurance has limited benefits during the first two years of coverage. This is sometimes described as a waiting period. However, benefits may still be payable during that time depending on the cause of death and applicable policy terms. After the limited-benefit period, the full death benefit is available for covered causes while the coverage remains in force.
Eligible applicants can get up to $30,0001 in Guaranteed Acceptance Life Insurance coverage, subject to state and existing coverage limitations. For example, if you’re already insured with this Program, the full coverage amount may not be available.
Consumers who need more than the available amount may want to compare other NYLAARP life insurance options.
AARP Guaranteed Acceptance Life from New York Life Insurance Company is exclusively for AARP members ages 50–85 and their spouse or partner ages 45–85.* It’s not available to the general public.
No, this coverage does not require a physical medical exam or health questions.
Term Life Insurance and Permanent Life Insurance offered through the AARP Life Insurance Program from New York Life also do not require a physical medical exam, but health information you provide or allow New York Life to collect is used to determine acceptance for those products.
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.
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)
1Residents of GU, MN, MO, MT, OR, USVI: coverage is available to $25,000.
* 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. 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.
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