Hey there, it’s Chris Huntley and this is the best AARP Life Insurance review you’ll find on the internet!
Yep! Look no further.
If you’re a member of the AARP, then you may be considering buying life insurance through them.
They specialize in products and advice for people in their later years, so it makes sense that you might think that AARP has some of the best rates around. RIGHT?
…and I’m gonna fill you in on why they’re probably NOT the insurer for you.
AARP Life Insurance Review: Looking for some quick and dirty answers? Click below!
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AARP LIFE INSURANCE REVIEW: RATINGS, SAMPLE QUOTES, & SAVINGS GUIDE
OF COURSE AARP is a great organization. There's no doubt about it.
...BUT there are better places to get your life insurance if you're reasonably healthy.
Don't get me wrong, they do have their strong points! Let's take a look at 'em now:
- up to 100K in coverage without a medical exam,
- coverage for individuals 50 - 80,
- no criminal record review,
- they cover people with disabilities
- AARP offers a simplified application process,
- they provide coverage through New York Life, one of the best insurers in the market
- if you smoke, you won't be penalized (that is if you don't have COPD or emphysema)
But the REAL question is, are they the insurer for YOU?
AARP offers Term, Permanent and Guaranteed Issue Life Insurance for people from 50 up to 74 years of age.
Once you turn 80 the party is over. No more insurance for you!
Despite the fact I'm writing an AARP Life Insurance Review, they aren't actually an insurer.
...and no that's not a typo. New York Life provides the coverage, which is endorsed by AARP.
Their policies are especially interesting to older people because they:
- don't require a medical exam,
- ask only 3 questions
- don't make you wait for coverage
Sounds pretty compelling - ESPECIALLY if you have a medical condition.
BUT I'm here to tell you:
"No Exam life insurance appears to be a better gig than it actually is, if you are looking for the lowest rates, No Exam is NOT the path for you"