They offer only between $2,500 and $25,000 of coverage under their guaranteed acceptance policy. A beneficiary won’t receive the full death benefit if you die during the first two years of coverage due to a non-accident. As a result, they will receive 125% of the value of any premiums you had paid up until that point. For guaranteed acceptance coverage, waiting periods are fairly standard as insurers want to avoid large payments in the event that terminally ill patients sign up.


AARP Life Insurance guaranteed acceptance coverage offers competitive rates, but you shouldn’t join the organization to get this coverage if you aren’t already a member. The quotes provided by AARP are comparable to those of competitive policies with nearly identical features without requiring membership.

AARP Insurance Exclusive Packages

There are only four insurance plans offered by AARP. You don’t have to take a medical exam to enroll in any of the plans. Instead, you need to answer questions about your health. Eligibility is limited to AARP members ages 50 to 74 and their spouses ages 45 to 74.

Lifetime benefit level

You can get coverage from $10,000 to $100,000 with the AARP Level Benefits life insurance policy. Unlike other life insurance policies, you cannot choose your term; Instead, your policy expires when you turn 80, regardless of when you signed up.


Permanent life

AARP permanent life insurance offers up to $50,000 of coverage. Your rates are guaranteed to never increase and your policy is for life.

Guaranteed Acceptance Life Insurance

If you purchase guaranteed acceptance life insurance, you can get coverage of up to $25,000. There is no medical exam and you only need to answer one health question to apply for insurance. If you are not terminally ill, adoption is guaranteed and your rates will never increase.

Start young life insurance

AARP members can purchase perpetual life insurance for their children or grandchildren under the age of 18. You can get up to $20,000 of coverage for them and build cash value over time. When the child turns 21, he becomes the account holder and pays the premiums. Young Start life insurance is not available in Maryland, New York, or Washington.