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AARP Life Insurance Program from New York Life
Level Benefit Term Life Insurance
Protection Amount
$10,000 to $150,000 in protection
Coverage Period
Protection that can last to age 80
Rates
Lower initial rates that increase over time, and you can exchange anytime before age 80 for permanent life2
No Medical Exam
Just your health information
Permanent Life Insurance
Protection Amount
Up to $100,000 in protection
Coverage Period
Protection that can last your entire life
Rates
Guaranteed rates that never increase
No Medical Exam
Just your health information
Guaranteed Acceptance Life Insurance
Protection Amount
Up to $30,0003 in protection; Limited benefits for first 2 years
Coverage Period
Protection that can last your entire life, guaranteed acceptance4
Rates
Guaranteed rates that never increase
No Medical Exam
No health questions; Includes extra mortality risk charge
Looking for Higher Coverage?
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Call New York Life at (800) 607-6957
Monday to Friday: 8 a.m. - 8 p.m. (ET)
1New lower rates compared to previously offered term coverage. Rates aren’t guaranteed and increase in five-year age bands — all age bands are now lower, except 75-79 remains the same. Not available in NY or MT.
2Rates are based on your age when you exchange.
3Residents of GU, MN, MO, MT, OR, USVI: coverage is available to $25,000.
4If you're already insured with the program, the full coverage amount may not be available.