A++
AM Best Rating
$100,000
Max Coverage
Yes
No Exam Available
Overview
AARP partners with New York Life to offer term and permanent life insurance to members aged 50 and older. No medical exam is required for most products.
✅ Pros
- ✓No medical exam required
- ✓Available to ages 50–80
- ✓Simplified application process
- ✓Trusted AARP and New York Life brands
❌ Cons
- ✗Must be an AARP member
- ✗Rates increase as you age (not level term)
- ✗Lower coverage amounts than traditional term
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