AARP Extra Protection
Term Life Insurance

Provides $50,500 to $100,000 of group term life insurance, exclusively for AARP members from New York Life Insurance Company. There’s no medical exam required. Your acceptance is based on your answers to a few health questions and other information we collect. It’s a simple way to provide your family with resources to help:

  • Make mortgage or loan payments
  • Cover your family’s everyday bills
  • Pay medical or final expenses, credit cards and other debts
Not available in New York
AARP Extra Protection Term Life Insurance
Get a Rate Quote and Free Information Kit
Get a Rate Quote and Free Information Kit
 

Life Insurance

  • Common Questions
    About This Insurance

    Question

    I already have life insurance, should I consider getting more?

    Answer

    Maybe. If you’re not sure you have enough to take care of the people you care about, or if insurance that seemed like plenty in the past is looking less adequate today, AARP Extra Protection Term Life Insurance could be a smart choice to obtain more coverage.

    More Questions
    and Answers »

  • Strength of
    New York Life, Program
    Endorsed by AARP

    The AARP Life Insurance Program from New York Life is endorsed by AARP, a non-profit membership organization that helps people 50 and over improve the quality of their lives.

    What Makes
    New York Life
    Different »

  • Planning With
    Life Insurance

    A simple overview
    from New York Life.

    See Article »

  • Talk to a Life Insurance
    Representative

    Call New York Life at
    1-800-865-7927
    Mon - Fri:
    8 a.m. to 10 p.m. (ET)
    Sat:
    9 a.m. to 5 p.m. (ET)

Features and Benefits

  • From $50,500 to $100,000 in life insurance coverage
  • No waiting period
  • No medical exam
  • Acceptance based on answers to a few simple health questions and other information we collect
  • Affordable rates that increase over time
  • Simple application

Who is Eligible
AARP members ages 50 to 74 and spouses ages 45 to 74 are eligible to apply. In most states, if you aren’t yet an AARP member, you can join AARP and apply for Extra Protection Term Life insurance at the same time.
This product is not available to residents of New York.

No Medical Exam
There is no physical examination or medical tests. Your acceptance is based on your answers to a few health questions and other information we collect.
Features and Benefits

Current Monthly Premiums

Men

Issue Age$60,000$75,000$100,000
45-49 $32.05 $38.06 $48.08
50-54 39.15 46.94 59.92
55-59 55.95 67.94 87.92
60-64 81.15 99.44 129.92
65-69 108.15 133.19 174.92
70-74 158.55 196.16 258.92

Women

Issue Age$60,000$75,000$100,000
45-49 $23.65 $27.56 $34.08
50-54 28.45 33.56 42.08
55-59 43.35 52.19 66.92
60-64 64.95 79.19 102.92
65-69 92.55 113.69 148.92
70-74 138.75 171.44 225.92

Rates shown are for non-smokers only. If you use any form of tobacco, your rate will be higher. To see rates for tobacco users, request a Free Information Kit.

Premiums above are the rates New York Life currently charges. Your initial premium is based on your age at issue; premiums increase as you enter each new five-year age band. Age bands begin at ages 45-49 and end at ages 75-79. Premiums are not guaranteed. However, your rates may change only if they are changed for all others in the same class of insureds under this group policy. For example, a class of insureds is a group of people with the same issue age and gender. If relevant statements of age or facts are not accurate, New York Life will make a fair adjustment of premiums and/or insurance. If death results from suicide in the first two years, benefits will not be paid. In MO, ND, and WA, specific state rules apply.  Residents of Florida: Michael Horan is a licensed Florida agent for service to Florida residents. Extra Protection Term Life not available in NY. Residents of MA and MT have rates different from those shown; please click here for a personalized rate quote specific to your state.

Request a Free Information Kit »
   Get a kit, complete with a personalized rate quote and application by mail.
   There’s no cost or obligation.

No Waiting Period
You are covered for the full benefit amount from the first day coverage takes effect. Once you are approved, you’ll have added peace of mind knowing your family is protected.

Protection to Age 80
This insurance is yours to keep until you reach age 80. It can never be cancelled without your consent, regardless of your health, as long as you pay premiums when they are due and your Enrollment Form contains no material misrepresentations about your medical history.

Guaranteed Exchange Privilege
At any time until insurance ends at age 80, you can exchange Extra Protection Term Life coverage for permanent life insurance without a medical exam.  Rates will be based on your age at that time.

 

Benefits Won’t Decrease
You can keep the same benefit level you started with for the full length of your coverage, even if your health declines.

Premiums are arranged in five-year age bands, and will increase as you enter each new band.

Simple Application
It doesn’t take a lot of time or paperwork to apply for AARP Extra Protection Term Life. AARP members can apply by mail, quickly and easily. There’s absolutely no cost or obligation when you request information.

30-Day Guarantee
You’ll receive a Certificate of Insurance when coverage is approved. If you decide this coverage isn’t for you, for any reason, you can return it within 30 days and receive a refund of any premium you paid.

Get a Free Information Kit and
Enrollment Form by Mail »

We'll Be There For You And Your Family

Ratings as of 1/1/12.

Not an AARP Member Yet?

The AARP Life Insurance Program is exclusively for AARP members. In most states, it’s easy to join AARP and apply for life insurance coverage at the same time.

Get a Free Information Kit »