Maybe. If you’re not sure you have enough to take care of the people you care about, or if insurance that seemed like plenty in the past is looking less adequate today, AARP Extra Protection Term Life Insurance could be a smart choice to obtain more coverage.

No, you don’t have to see a doctor or take any medical tests. Your acceptance is based on your answers to a few health questions and other information you provide or give us permission to obtain, such as medical records and prescription drug history.

In addition to the information that is furnished in the application, we may use your signed authorization to request medical information and prescription drug history from your physician, hospital or other health care provider, pharmacy, pharmacy benefit manager, or medical information retrieval service.  We may disclose information we collect about you as required or permitted by law.  You have a right of access to certain personal information we maintain in our files about you.  You may request a correction, amendment, or deletion of any information to which you have access.  You may receive a full description of your rights to access, correct, amend or delete information by writing to us at the address on the Enrollment Form.

No, there is no waiting period once your coverage is approved.

There’s no one “right” answer. Everyone’s different – how much insurance you choose depends on who – and what – you want to provide for. Adding up the cost of things you want this coverage to provide for is a good starting point. These might include things like paying off a mortgage or home equity loan, supplementing a retirement next egg or paying medical or other large bills you may leave behind.

The rate chart on the AARP Extra Protection Term Life insurance page shows the affordable current monthly rates. As you age, your rates will increase as you enter each new five-year age band. To see details, please review the rate chart.

You can keep this insurance until age 80, provided premiums are paid when due and your enrollment form contains no material misrepresentations about your medical history.

Yes. You can exchange your AARP Extra Protection Term Life insurance for AARP-endorsed group permanent life insurance without a medical exam at any time until your insurance ends at age 80. The exchange privilege is guaranteed, and you will not be required to take any medical tests or answer a single health question. Rates will be based on your age at the time of exchange.

Yes. If you’re diagnosed with a terminal illness and given a life expectancy of 12 months or less, you may access half of your benefit amount. It will be paid directly to you, to use in any way you choose.

Please note that receipt of “living benefit” (accelerated death benefit) insurance proceeds may affect your eligibility for public assistance programs. Proceeds may be taxable. You may wish to consult your financial adviser and/or attorney to determine how this may affect your personal situation.  Premiums continue to be payable but the benefit amount is decreased by one-half.

There’s just one exclusion. If death results from suicide in the first two years, benefits will not be paid. Missouri and North Dakota residents: The suicide exclusion applies only for one year.

Please click here to view a copy of our privacy notice.

You will need to join AARP to be eligible for this life insurance, which is available exclusively for AARP members and their spouses/partners. The good news is, it’s easy to become an AARP member, as long as you’re 50 years old or above. You and your spouse/partner can enroll in AARP for just $16 a year, on the same form you use to apply for AARP Extra Protection Term Life insurance.

Yes. The AARP Life Insurance Program from New York Life Insurance Company is the only life insurance program endorsed by AARP, and the life insurance products offered through this program are available exclusively to AARP members.

There’s no risk with this AARP-endorsed coverage. A 30-day free look guarantees your satisfaction. You’ll receive a Certificate of Insurance when coverage is approved. If you decide this coverage isn’t for you, for any reason, you can return it within 30 days and receive a refund of any premium paid.

Just request an AARP Extra Protection Term Life insurance free information kit. It includes an application and complete information about how to apply.