AARP / New York Life burial insurance review & cost
AARP life insurance is underwritten by New York Life and sold to AARP members. Here's how the guaranteed-acceptance and level-benefit plans work, who they fit, and how they compare to non-member carriers.
AARP's plans (through New York Life) include Guaranteed Acceptance whole life for ages 50-80, up to $25,000, with no health questions and a 2-year waiting period. You must be an AARP member. Non-member seniors can often get the same or more coverage elsewhere without the membership.
How AARP / New York Life final expense works
Requires AARP membership
Coverage is member-only. If you’re already a member it’s convenient; if not, compare non-member carriers first.
Guaranteed acceptance
The GI plan asks no health questions, ages 50-80, up to $25,000 — with a 2-year waiting period on natural-cause death.
New York Life backing
Underwritten by New York Life, a highly-rated insurer — the brand trust is real, but so is the price to compare against.
AARP / New York Life vs. the alternatives
A recognizable brand is reassuring, but it's not always the most coverage per dollar.
| Plan type | Health questions | Waiting period | Coverage per $ | Best for |
|---|---|---|---|---|
| AARP / New York Life (GI) | None | 2 years | Lower | AARP members |
| Simplified issue (non-member) | A few | Day one | Higher | Healthy seniors |
| Guaranteed issue (non-member) | None | 2 years | Similar | Any health, no membership |
Frequently asked questions
Is AARP life insurance a good deal?
Who underwrites AARP life insurance?
What are the age limits?
Do I have to be an AARP member?
Compare AARP / New York Life with other carriers
See if a non-member A-rated carrier beats AARP / New York Life for your age and health. Free, no exam.
Related guides: best carriers compared · Colonial Penn · senior life insurance · cost by age
About these figures: the premiums and averages shown are estimates based on our own placed-policy data (our internal systems) — not official carrier-published quotes. Your actual rate depends on age, gender, tobacco use, health and coverage amount, and is confirmed by the carrier at application.