AARP Permanent Life Insurance from
New York Life Insurance Company
AARP Permanent Life Insurance from New York Life Insurance Company
Plus get a free information kit† by mail
Choose up to $100,000 in group protection. Guaranteed rates that never increase for any reason.
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.‡
Yes. Your rate is determined by your age when you apply and is guaranteed never to increase. This can help make budgeting more simplified with one, predictable rate to manage.
Permanent Life Insurance can provide coverage for your entire life. As long as payments are made, your loved ones can remain protected. Then when you turn age 95, or even sooner for some people, your contract will be paid in full - meaning, your coverage will continue for the rest of your life with no further payments due.
Compared to Term Life Insurance, which offers protection to age 80 with rates that increase over time.
No physical medical exam is required. Most who apply are accepted, even with pre-existing conditions. Approval is based on health information you provide or allow us to collect.
If you’re looking for coverage that does not require a physical medical exam or health questions, consider Guaranteed Acceptance Life Insurance.
Permanent Life Insurance
Term Life Insurance
Over time, this insurance will build cash value. If you cancel your coverage, any cash value will be yours to keep.
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 50-80 and their spouses/partners ages 45-80. For other amounts or higher coverage options call New York Life at 1-800-607-6957.
*The rate of $13/month is for a female, age 50, non-smoker for $5,000 of coverage.
†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-80 issued in the District of Columbia).
New York Life Insurance Company 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. AARP does 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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