AARP (New York Life) Insurance Review & Complaints

AARP (New York Life) life insurance rates are about $226/mo for 60-year-old policyholders. Younger policyholders may qualify for cheaper rates, but it varies for each person. Although AARP doesn't sell life insurance exclusively, it's connected to New York Life Insurance Company – an insurance provider with an "A++" rating from A.M. Best. Compare AARP life insurance quotes with multiple companies to get the best rates for your needs.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • AARP is partnered with New York Life Insurance Company to provide life insurance
  • You can get AARP life insurance quotes through the AARP website
  • New York Life has rates as low as $11 per month
  • AARP and New York Life are two of the most renowned insurance companies in the United States

AARP life insurance is partnered with New York Life, one of the best insurance companies in the United States. AARP (New York Life) insurance rates vary for each person, but how much does it cost per month on average?

Read our AARP guide to learn more about AARP life insurance rates, products, third-party ratings, and other details about the company.

Do you want to know more about life insurance companies besides AARP? Enter your ZIP code in the free comparison tool above.

How Much Does AARP (New York Life) Life Insurance Cost?

The average cost of New York Life insurance is $11 per month for term life insurance. However, that would depend on your age, health, life insurance type, and death benefit.

Let’s look at an example of 15-year, no-exam term life insurance plans for 60-year-old policyholders who are either smokers or non-smokers.

Comparing New York Life and AARP Monthly Life Insurance Rates for 60-Year-Old Policyholders
Health of 60-Year-Old PolicyholderMonthly AARP Life Insurance RatesMonthly New York Life Insurance Rates
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AARP appears to be more lenient to policyholders who are smokers, but any direct policy to New York Life costs more. This is typical of no-exam term life insurance policies.

Younger policyholders pay much lower rates. However, AARP focuses on providing service to consumers over the age of 49.

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How Do AARP (New York Life) Rates Compare to Other Companies?

AARP may not exclusively sell their AARP life insurance program, but New York Life Insurance Company does.

If you decide to go through New York Life, here’s a comparison of affordable life insurance benefits by the top life insurance companies in the United States.

Average Monthly Life Insurance Rates and A.M. Best Rating by Company
CompanyAverage Monthly Life Insurance RatesA.M. Best Rating
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
John Hancock$11A+
Mutual of Omaha$12A+
New York Life$11A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
State Farm$15A++
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New York Life insurance rates are close to the middle. If you happen to qualify for $11 per month, your AARP life insurance quotes could be lower.

Ask questions about how you can secure cheap life insurance before you buy AARP life insurance.

What Products are Available at AARP (New York Life)?

AARP has various life insurance products. Let’s examine these coverage options below:

  • Level Benefit Term Life Insurance
  • Permanent Life Insurance
  • Easy Acceptance Life Insurance
  • AARP Young Start Life Insurance

AARP’s term life policy is available to people who are between 50 and 74 years old. However, you need to roll over your term life policy to a whole life insurance program after 74 to remain insured with AARP.

The permanent life policies are eligible to AARP members ages 50 to 80, in addition to members and their spouses (ages 45 to 80).

You can take it a step further and insure children and grandchildren through AARP Young Start. No medical exam is required, but you may need to answer questions based on the child’s health.

Do you have a complicated estate that needs a unique style of life insurance coverage? Check out our guide to some of the insurance companies best for complicated estates and retirement

Does AARP (New York Life) Have Good Financial Strength and Credit Ratings?

The short answer is yes. New York Life provides affordable AARP life insurance coverage, but it also has a strong presence in the life insurance industry. Let’s look at ratings from the top rating agencies in the United States.

  • AM Best – A++
  • JD Power – 784 out of 1,000 (About Average)
  • Consumer Affairs – four out of five stars (Based on 336 reviews)
  • Better Business Bureau (BBB) – A- (two stars based on five customer reviews)

Some of the customer reviews show a lower than average rating, especially with the BBB. However, the company’s overall financial strength and credit ratings are nothing short of excellent.

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What is AARP?

We’ve talked a lot about AARP, but what does AARP stand for? AARP stands for American Association of Retired Persons. It was founded by Ethel Percy Andrus and Leonard Davis in 1958 in a California town known as Ojai.

Today, AARP’s headquarters is located in Washington D.C. under Jo Ann Jenkins’s leadership – AARP’s CEO.

AARP has been in partnership with New York Life since 1994. The two companies continue to partner with life insurance policies throughout the COVID-19 pandemic.

AARP (New York Life) Insurance: What’s the bottom line?

Life insurance for people who are over 50 can be expensive. But AARP can give you a few cost-efficient options with one of the country’s top life insurance companies.

If you want a max New York Life insurance policy, you could pay more than $226 per month.

Before you buy an AARP (New York Life) insurance policy, compare multiple companies by entering your ZIP code in the free online quote tool below.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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