How do I contact AARP life insurance?
Asked by: Cecelia Heaney | Last update: December 29, 2025Score: 4.8/5 (73 votes)
How do I speak to a person at AARP?
Call. Our toll-free nationwide phone number is 1-888-OUR-AARP (1-888-687-2277). For Spanish-language speakers, call us toll-free at 1-877-342-2277.
How long does it take for AARP life insurance to pay out?
On average, the claims process may take 1-2 months from start to finish. The process begins when a policy holder's death is reported to the life insurance company.
What happens to AARP life insurance after age 80?
Is there any way I can be insured past age 80? Yes. You can exchange your AARP Level Benefit Term Life Insurance for AARP Permanent Life Insurance when insurance ends at age 80 or any time before that.
Can I cash out my AARP life insurance without?
Can I cash out my AARP life insurance? Unlike term insurance, which has no cash value, permanent life insurance policies allow you to access the cash value that has built up over time. However, there is a tradeoff. You're lowering the death benefit to your beneficiaries.
About AARP Life Insurance Plans : Insurance Questions Answered
Is life insurance worth it after 75?
Life insurance can suit people in all stages of life. If you're over 75, you may benefit from using a policy to help protect your beneficiaries financially, aid in estate planning, and help loved ones cover final expenses.
Does AARP require a medical exam for life insurance?
Members can apply for up to $50,000 in life-long coverage. Guaranteed rates that never increase, and no medical exam, just health and other information. You can keep this insurance your entire life. AARP members can get an instant quote and apply online or by phone.
How long does it take for a beneficiary to receive money from life insurance?
In many cases, it takes anywhere from 14 to 60 days for beneficiaries to receive a life insurance payout. But many factors impact this time frame. These include the insurance company's procedures, when the claim is filed, how long the policy was active, the cause of death, and state laws regarding insurance payouts.
Why is AARP life insurance so expensive?
AARP Guaranteed Acceptance Life Insurance from New York Life is initially more expensive than term life because the rate is locked in for the rest of your life, as long as you continue paying your premiums.
Is AARP a good insurance for seniors?
Its life insurance offerings are a solid pick for older consumers, especially those looking to avoid a medical exam. The AARP advocates for seniors and has more than 37 million members. Anyone 18 or over can join, but life insurance availability is limited to members 50 or older, plus eligible spouses.
What is the best life insurance for seniors?
The best life insurance companies for seniors at a glance
Guardian Life: Best for payment flexibility. MassMutual: Best for elderly applicants. Northwestern Mutual: Best for the potential to earn dividends. New York Life: Best coverage range.
Is life insurance taxable?
Generally, life insurance proceeds you receive as a beneficiary due to the death of the insured person, aren't includable in gross income and you don't have to report them. However, any interest you receive is taxable and you should report it as interest received.
What is the customer service phone number for AARP Life Insurance?
(800) 607-6957
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.
Is AARP free for seniors?
The standard price of an AARP yearly membership as of 2025 is $20. A second AARP membership is free for anyone in your household. AARP offers a wide range of savings, including discounts on dining, travel, health and wellness products, and entertainment.
How do I check my AARP status?
You can log in to your AARP online account to see your membership status and expiration date on the My Account tab. If you don't have an account, it's free and easy to create one. To add your digital card, which shows your expiration date, to your mobile phone or tablet, you can: Use the AARP Now app.
What disqualifies life insurance payout?
Life insurance proceeds can be denied. Some denials are legitimate, like in case of policy lapses, material misrepresentations, or exclusions in the form of illegal activities or war. In other cases, bad-faith insurers use elaborate methods to reject claims so they do not have to pay the proceeds.
How long after death do beneficiaries get paid?
In California, the executor of a will, also known as the personal representative, generally has about one year from their appointment to complete their duties. That includes paying creditors and distributing assets to beneficiaries. The timeline can be extended.
How long after someone dies can you collect life insurance?
There is no time limit for beneficiaries to file a life insurance claim. However, the sooner you file a claim for a death benefit, the sooner you will receive your money. Filing as soon as possible makes sense because the insurer could need a month or longer to investigate the claim before paying out.
What is the waiting period for AARP life insurance?
There is a two year waiting period before the full death benefit is available. Therefore, if you die within the first two years, your beneficiary receives back all premiums paid plus a small additional percentage. AARP has one of the most expensive guaranteed acceptance policies on the market.
What life insurance company does AARP use?
The AARP Life Insurance Program from New York Life is endorsed by AARP and is the only life insurance program developed exclusively for AARP members.
At what age is it too late to get life insurance?
Term life policies have an age limit ranging from 75 to around 86 years old. Term life insurance policies provide coverage for a specific period. It could range from a 10-year term to a 30-year term. If you pass away during that time, a death benefit is paid to your beneficiaries.
What does Colonial Penn give you for $9.95 a month?
We offer Guaranteed acceptance whole life insurance for those ages 50-85 (in most states) with options starting at $9.95 a month—ease the burden of final expenses and get back to living life on your terms. Colonial Penn's® popular guaranteed acceptance whole life insurance coverage rates are offered in units.
What type of life insurance is best for seniors?
Whole life insurance is another great option for seniors that will provide coverage for the entire life cycle of a policyholder. Unlike term life insurance, the benefits of whole life insurance will typically be payable to your beneficiary, no matter the timing of your passing.