AARP makes it easy to get life insurance, but many of its policies aren’t cheap. It’s a good idea to compare quotes from top-tier companies before buying.

Whether you’re looking for final 2025 AARP life policy coverage or a large policy to provide income replacement, it pays to shop around. AARP offers several term and permanent policies through its partnership with New York Life. Its no-exam term policy is available to AARP members ages 50 to 85, and it can be converted to a permanent policy before age 80. Its rates increase every five years as you enter a new age bracket, but the death benefit remains level through the policy term.

Whole life insurance is another option, which is available to AARP members ages 45 to 85. It’s a permanent policy that continues until you reach age 95 (or earlier in some states). It offers both level premium and cash value accumulation, but it also comes with higher costs than the no-exam term policy.

Latest Updates from New York Life’s AARP Partnership

AARP also sells guaranteed acceptance life insurance, which is a type of permanent insurance that doesn’t require a medical exam or health questions. Its rates are a bit high, but it is available to people with preexisting conditions who wouldn’t otherwise be accepted for a traditional insurance policy. This policy has graded death benefits in the first two years, and it builds up cash value that you can borrow against or withdraw at any time, but the amount withdrawn will reduce your death benefit.