AARP Life Insurance

My father died on 9/25/11 just about 4 months from his 2 year grace period on his AARP policy. I cannot believe that AARP Life Insurance sent me a check after his 2 year anniversary date for only the premiums paid. The only contact they made with me was a letter in December stating they are still investigating. I have buried my father and have a funeral bill that needs to be paid. I do not have that type of money. They didn't even state a reason for denying the claim. I feel I am owed that much a reason. They allow you to answer 3 questions and you receive the policy and then it states the policy is effective if it meets there underwriting requirements. They take their monthly payments without any underwriting requirements. My father's policy should have been honored.

AARP Life Insurance is a fraud for seniors trying to get insurance to cover their last expense. A total rip-off! I am happy for all the people who did receive payment, but don't be knocking people who are upset for not receiving the benefit and left with a huge financial expense in the time of hardship. The policy states if underwriting requirements are met but as a policy holder, I do not know what those underwriting requirements are and AARP Life Insurance do not submit that information with the policy. I am going to contact the insurance commissioner in my state because I believe that my dad was misinformed.

I just don't understand these complaints. It doesn't take a rocket scientist to see a common denominator as to why some of you people have had problems. Most of your loved ones were under the 2 year point of contestability when they passed. The company must be careful fraud was not an issue when your loved ones filled out the forms. That is very legitimate depending on how your loved one passed considering they claimed good or decent health when they filled out the forms.

I promise you that even though it takes longer to check things out, if everything is found to be on the up and up, you will not only get the check, you will get an additional amount for the delay in processing the check from the date of death. If this wasn't you salivating to get a big check in the mail quickly and take a sigh of relief, you got a freebie you'd have to admit what a good company they are that even honors a policy where the amount is at least and more likely 10 times the amount a newer policy holder has actually invested in it and although they claimed decent health, suddenly they die in less than one to two years of complications that may have disqualified them.

The complaints come off very childish demanding a quick check on a policy that is still considered new. Either that or a person just can't read properly when it comes to the policy and what process will happen to someone who is under the two year mark with the policy. If it seems to be taking a long time to get medical records to an underwriter, get up and go to your loved ones' doctor and get the records yourself and send them priority mail certified. Someone from AARP doesn't have to tell you to do this. That should be a given if you are in charge of the deceased persons estate or personal matters.

In fact, after reading the policy handbook, before you even asked for a claim form from AARP, you should have seen you would be required to provide that type of information so being thorough in advance might have helped. You'd be surprised how slow some doctor's offices are in getting that information sent out if you simply request them to do the ground work. When my father passed, his doctor took forever to send in the cause of death to complete his death certificate. We were surprised because of course, it was our father but in reality doctors are busy and these types of requests may sit around the office considered non priority compared to daily on hands care. I also have to be honest about a beneficiary on a policy like this who wonders if they will be getting anything because of the nature and timing of the death.

You'd have to be honest, more than likely you've been crossing your fingers that if you can just bypass being too thorough with the medical issues, AARP will overlook certain things and you will get the check quickly. The game is that suddenly the beneficiary who capitalizes on a new policy plays the victim but way down deep inside, they know if it doesn't work in their favor, they shouldn't have put much hope in that new policy for honest reasons.

After sending the information to AARP (Certified), call back and check after 7-10 days of receipt and ask what they have determined. By the way, I hate to say this but even though a person didn't know they had cancer the same year they got their policy, there might be an issue about not contacting the underwriter after diagnosis and before death. If I were an underwriter for a policy like this, I'd have to take into account time of policy opening to time of diagnosis and death and I may accept the policy but cover only so much. My thinking would be whoever was helping to pay the bills monthly on behalf of the policy holder as they declined in health were obviously fully aware of the policy when making sure the payments were made and they never got hold of us to let us know.

We may have been more inclined to fulfill the entire amount or quickly advise that the policy is void and there is no more payments required but with no knowledge all along and demanding money quickly, it seems very questionable. Someone was taking a chance. I would question it which then leads me to question the original forms and just how truthful the policy holder was. To someone desperate for free money that sounds annoying, but sit on the other end of the situation. Someone is about to lose some money on a policy where very little was invested on the policy holders part. If you even get half of it, I'd say this was a very good company. It's not AARP's fault.

I will offer you this much info of myself. Having dealt with AARP and two deceased relatives, one was under the two year contestability requirement. They also were diagnosed with cancer after only 8 months of purchasing a policy. However, I contacted AARP quickly. They were shocked I'd contacted them. In 7 days, I had a letter from an underwriter stating the policy would remain as is. I was very prepared to accept a choice to discontinue the policy and therefore end any further payments. I simply would not have told my father. Of course, I never played the victim nor did I sit around seeing dollar signs when it came to an insurance policy.

My father passed away on Oct 26, 2011 of lung cancer. At the time we took out the policy on Jan 2011, we did not know that he had cancer. He was diagnosed in July. I contacted Aarp and told them the situation and they stated don't worry about it they go by the time the policy was taken out. It is early Jan 2012 so I contacted Aarp and they stated they haven't gotten any medical records and I asked the lady if I could get them. She said sure and she proceeded to give me her fax number. I talked to them the next day after I sent her the records and she stated that the doctor's office had to send them. That isn't what she stated the day before. A little word of advice, if they start off hard to deal with, just go ahead and take it to your attorney. I wish this company didn't even exist considering reading all these complaints

My sister took out a $50,000 life insurance policy through AARP New York Life. Effective date is January 2011. Unfortunately, we found her dead at home on October 20, 2011 in the bathtub. There was blood shed, some gashes, contusions, etc. She was taken for an autopsy by the coroner (they requested). According to that report, the primary cause of death was drowning (accidental). Other significant conditions contributing to but not result of death is combined drug intoxication. My sister went to the doctor on October 18th and had 2 shots (one in left and one in right buttocks). The band aids were still in place when we found her on the 20th.

The family feels that she died on October 18th as her cell phone record shows the last time she was in contact with someone was the 18th. According to AARP NY Life they are awaiting medical records from her doctor to check for pre-existing conditions as policy in force less than two years. How can drowning be considered a pre-existing condition? I feel that they are just holding this claim up for no good reason. Funeral expense is thus to be paid. I am considering contacting the Illinois Department of Insurance, and if I don't feel that I like what they have to say, I will contact an attorney.

After reading the complaints/reviews on this site, I really became worried about my mother's policy. Her contract began in 2005. She answered all the questions honestly. In 2005 along with the 2 previous years, she was in excellent health. It was like pulling teeth to even get her to go see a doctor. At that point in her life. flash forward to 2010 and sadly my mother has been diagnosed with Pancreatic Cancer. It is terminal and we are in the final stages. Looking through all her papers to make sure everything is in order I came across her policy. I was a bit surprised to see it. She said she got it to help out with final expenses. I thought it was so sweet but noted one thing.

She had not mentioned on her application that she had been told she probably had Post Polio Syndrome. The truth is my mom to date has never been clinically defined as having PPS as there have never been any emergency health complications in relation to it. I wondered if not providing this information would nullify her contract. Add to the fact, I did some googling and read some of these horror stories and pretty much assumed the worst. The one thing I also checked on was that there really isn't even a mention of it on any of her medical records nor is PPS considered fatal but we wanted to be honest so I gave AARP a call.

I was very honest and explained the situation. The costumer representative was a bit surprised I was offering this information but she made a note and emailed the information to an underwriter. Her biggest concern was not full disclosure at the time the contract began but I explained there really was full disclosure. She had no medical problems back then nor did she have any medical professional define her as having PPS during any exams in her entire adult life to the date of the 2005 contract. The costumer representative was very kind and said we'd hear back from the underwriter within 24 hours. We heard nothing and I called the following day.

The second costumer representative was a bit different. Again, they were also shocked. I was concerned about this issue before a policy holder has passed and he said don't worry about it. I wasn't worried. I was concerned if the contract was void so there is no need for her to continue monthly payments up until her death. At that point, it would have been tacky to let her pay knowing it would not be honored after her death. Again, reading these posts here pretty much convinced me things weren't going to work out well and in a way, it was best to know now instead of possibly being surprised after her death and trying to get the benefits. Now get ready for the final outcome.

As of this date, I have nothing but high praise of AARP. Today, we received a letter thanking us for our honesty. After noting the PPS information on the contract they are willing to let the contract stand as is. My sweet mother wept with joy today, as she wanted so much to make sure she could leave a little something after her passing. I am truly sorry for those that have encountered horrible situations with this company but thus far I have zero complaints. I do want to point out that it appears many of the complaints seem to be about newer policy holders and I would think there would be an understanding that if the deceased was under the 2-year situation, you would understand why they have to check every thing out.

To those who may have had multiple health issues that weren't addressed that may have been hard to acquire insurance some place else my advice would have been to please be honest. You may be surprised what they will allow but don't be offended if you are rejected or pay a higher premium. So to those like me who are reading some of these complaints and getting a little worried, rest assured not everyone feels jerked around by this company and if you are worried give them a call now rather than later.

My wife and I were under the understanding that the life insurance was guaranteed with no medical exam and no questions. My wife died 5 days before the 2 year and when it came down to it, they now refuse to pay saying she lied on her health questions. They state she would have been denied if they had known her health history.

I have also submitted a claim to AARP after my husband's death in 2011. I have been given the same excuses as so many others on this site. They keep asking me to get more medical records submitted to them. I am quite perturbed about this action that they continue to display to me. I continue to fight to get what is due to my husband's efforts, of trying to make sure that I would not have to go through these hardships, especially after losing him so abruptly as I did. I will call them again to inquire about the claim on his policy. I read all of the misgivings that they have taken others through, as well after they had also lost their dear loved ones.

I think that this conglomerate needs to be brought down, so that they will stop lying to people that are already hurting. And they should not have to hurt financially as well. These people and I had faith that we could depend on them to do the right things for us with these claims, when we needed them to do so the most. It never pays to have profit in business or life in general if you are doing it through the hurting of your fellow man. If there is anyone that would like to pursue this company and make yourselves heard, please make it known to me on this website. If there is any attorney that would like to fight the good fight of justice for us all, please also let yourself be heard. Together we can all make a difference for ourselves and our loved ones who have been wronged.

My mother passed away in Aug. 15, 2011. My family sent in all the required paperwork. They said they have gotten medical records that were sent. It's been 3 months and I still haven't heard anything from AARP.

My mom passed away on 18 May 11 and she left me and my brother as the beneficiary. She has passed before her two-year anniversary date. Today is 01 Sept 11 and I still don't have the check. Based on what I have read, it says that they have to search her medical records. The thing that pisses me off worse than anything is that they took her payment out of her checking account faithfully every month. She was a hard working woman but cancer came and ate her up. Now, there are bills to pay and AARP is taking their sweet ** time to give us the checks. Two days? Are you kidding me? My other issue is that you should quit sending her junk mail to get her back with AARP. She is already in heaven. People, do your jobs because you took her money every month.

My father had a life insurance plan with AARP which he was paying over $400 a month for. He had a major heart attack. My sister, brother, and I contacted AARP about the insurance. They automatically denied the claim and gave us a dishonest answer about how my dad lied on his 3 questions - when asked what they said that he was in fact on a breathing machine for his lung condition. I told them that that was not true. He never had a lung condition and has never used a breathing machine. I called his doctor and got proof that he was never treated for such.

After 4 months of calling and getting hung up on and no return calls, I threatened to contact an attorney. I had the doctor call AARP to confirm they are wrong and then we finally got a check. To make matters worse, AARP sends me an acceptance letter for life insurance under my name with my dad's birthday every month! As if it doesn't hurt enough that he's not here anymore!

Our dad had two life insurance policies with AARP. Life House Parkview Health Care Facility was the payee. They were supposed to pay AARP monthly but according to AARP, Life House stopped paying on Jun 3, 2010. AARP said they mailed the statement to Life House Parkview but the latter said they never got it. I just found out about it last July 14, 2010. My dad is losing one of his life Insurance policies he opened around eight years ago.

I had a life insurance policy on my husband through AARP. When he passed away, there were absolutely no problems obtaining the benefit I was promised. They acted quickly and promptly, knowing that many times widows/widowers need to pay bills.

1. NY Life Insurance Company let their Korean agent Suk-Ku ** continue to sell their products for over 12 years even though many customers sent Suk-Ku **'s fraud selling complaints: NY Life is the godfather of this fraud and scam actions, not only their agent.

2. Suk-Ku ** became a millionaire by selling NY Life products in Korean community. He continues to sell life insurance in fraudulent way: He made me pay $3000 a month till age 55 to get a $3,000,000.00 Retirement Life Insurance" which was a "nonexistent policy" from NY Life; it was fraud.

3. Because ** was able to sell life insurance in fraudulent way without any kind of problem from NY Life company, ** took my name out of my workers' compensation insurance policy to make me pay less premium to be able to pay the $3,000.00 without my knowledge; fraud and scam action.

4. I lost benefits from my workers' compensation policy after my work-related single car accident because I was too tired from too much work that week; $1,000,000.00 coverage for 10 years.

5. There are so many victims by NY Life Insurance Company and agent ** over 12 years in Korean community who all already signed a "Be quiet and non-suit" letter from NY Life. I did not sign so I am still fighting on the street: Picketing in front of NY Life company offices in NY and Tysons Corner, VA from time to time.

Please check on "YouTube.com and search "New York Life Insurance Fraud". I will also send a full story if you needed it later. Please help the victim. I have no one to help me or all other victims. I go to 51 Madison Avenue, NY NY office to picket from time to time especially on 01/03/2011 to get justice that the victims deserve.

After four months of waiting, I finally heard that NYLife has sent a check for only $3000. Not the $50,000 my husband was insured for. They claimed we answered wrong on the application. Beware, if you are taking medications, they count that as treatment even though there is no question regarding medications. We were under the impression that treatment meant things like x-rays, cancer treatment, etc. I have canceled my life insurance with AARP and purchased it elsewhere.

My father had an insurance policy with them for years and I know that he paid a lot in it but I was only told it was 10,000.00 dollars.

Well, I was the beneficiary of his life insurance and some reason AARP dealt with my brother and I know there was more insurance. Anyhow, my brother took it and cashed it or gave it to main and frame funeral home; I did not get the rest of it. Anyways, an insurance place, especially as long as my dad paid, should have been an agent helping me out since I was the beneficiary. My dad was Kenneth ** lived at **

I want this resolved or answered. I did not get what was coming to me.

On 9/3/08, both my husband and I took out $50,000 life insurance policies with AARP. My husband passed away on 8/18/10, just about 2 weeks short of 2 years, so we have to have his records reviewed. Every time I call about it, I am told they are still waiting for a response. My husband had counted on this insurance so I would have something to fall back on and pay his final expenses. So much for AARP being helpful to seniors. After reading other complaints, I am not too encouraged.

I purchased a term life insurance policy for my husband approximately four years ago after he retired. New York Life through AARP was happy to draft my checking account for the monthly premiums. This month the premium increased with no notification from New York Life - AAPR. When I called to question the increase, NYL would not talk with me because the policy is on my husband. I only wanted to know "why" the premium increased, no other information. They draft from my account, therefore, I feel I have the right to ask why the draft amount increased!

I requested and received information for life insurance through AARP indicating that regardless of age, and there would be no questions asked. Upon receipt of the information I filled out the enrollment from, which did ask if you have referred to a Medical physicians with in the last 2 years. I had since I am a diabetic and I regularly get checked to keep my blood sugar levels within the required limits. I then received a phone call from insurance representative of New York life which asked additional questions. I soon received a letter of denial.

This reflects badly on AARP because the insurance companies are asking questions and refusing to cover their members. AARP needs to be aware of this but continues to use companies that do not comply with AARP's claims in their advertizing. This is giving their members a false assurance of service they promise to provide. I now question my membership of AARP since they are unable to help me with my needs.

We applied for New York Life Insurance when my husband's plant shut down, putting him out of work. They turned me down because of diabetes. They accepted him, purchased Nov. 1, 2009. After a sudden five-week illness, my husband passed away on July 3, 2010.

As of now, they are still trying desperately to come up with something on him to not have to pay this policy. They are looking at the two years prior to him getting the insurance. He had two doctor visits in that time for a DOT physical, which he did pass. That's it. He was perfectly healthy until five weeks before his passing.

Why do they do this to people? We purchased in good faith and then they destroy people's lives. And they turned me down and I am still here. I have no choice but to turn them into my state's insurance investigation office and to sue. I am disabled and pending SSI which can take another year or so.

Answering advertisement made on TV and in publications all of which promoted "no questions asked" insurance coverage up to $15000. Received questionnaire which asked for health history of treatments within last 6 months including diabetes and heart conditions. Of course, I responded positively in that I am receiving on-going prescriptions for both conditions (type II diabetes and heart attack in 2000). I enclosed the required minimum premium for $10000 coverage with questionnaire.

Couple of weeks later, received my check back with explanation that due to the above health related issues I was not eligible for coverage. Am very upset with any company that advertises and doesn't do what they say they will do. I suggest that one of your staff investigators do just what I did so you will have in-hand proof of what they are doing, false advertising and if it were up to me, prosecute them and all others that do the same; at least a cease and desist order. Unable to receive advertised insurance coverage.

I am not a member of AARP. However, several years ago, I started getting AARP mail in my PO Box. After complaining to AARP, it slowed some. But as of today, I'm still receiving mails from them and the companies they have sold my information to.

I am receiving unsolicited mail at my BUSINESS address from AARP's NY Life Insurance Program. I have repeatedly requested that my name and BUSINESS ADDRESS be removed from their mailing list. I have been told that they use a third party vendor, and the cycle takes 90 days (for removal of my name/address from mailings). I also called AARP to complain, but was told the same thing. Please note I am not a member of AARP, nor do I want to be a member. I do not know how AARP or NY Life Insurance Company received my office address. After waiting the alloted time, I am still receiving mail from NY Life Program at my office (I received two mailings in the past week). I do not want my employer receiving mail on my behalf from AARP's NY Life Program and knowing my age. I also cannot understand why my name cannot (and has not) been removed and I am still receiving mail at my office. Today (June 15, 2010) I contacted Hector Caro at NY Life Insurance Program. He said he removed my name from both databases, but again told me that it would take 90 days for this to take affect. PLEASE DO NOT GIVE MY CONTACT DETAILS TO ANYONE --STOP SENDING UNSOLICITED MAIL TO ME AT MY OFFICE (I have already called AARP and requested to be removed from their mailing list for my home).

My husband purchased a life insurance policy from AARP's NY Life Insurance Co. He passed away on 09/06/09. A claim was filed on 09/12/2009. NY Life sent me a letter, stating that since the policy was less than 2 years old, they were conducting a "routine inquiry", requesting hospital and doctor's records. I have been getting that same story for nearly 7 months. I have signed many documents to release my husband's records. I feel that NY Life is stalling, looking for a reason not to pay this claim. I am ready to sue them.

It has been 3 months since my mom passed, almost 4. I have been getting the complete runaround with AARP for the whole time. Every time I call, I get a different story. In short someone is not doing their job!

AARP is a complete false advertisement. They advertise that 'no medical questions are asked,' 'no one can ever be turned down for any reason.' They lie. I tried to get a $5000 life insurance policy for my husband, and was sent a refusal letter by AARP because he has MS. They are a fraud and are not forthright in their advertising. Others need to know this and not get their hopes up of finding affordable life insurance.

After submitting our claim shortly after my mom passed, I started reading the reviews for AARP's life insurance. A good amount of them were very negative, so I expected the worst, since my mom was still within the initial two year period when she passed. Thirty days went by and I received the typical corporate letter stating that they were still investigating. I thought "oh boy here we go I will be lucky to get even a small percentage of our claim". Thirty more days went by and then I received another corporate letter, the only difference was, that this one had a check attached to it with the full claim amount plus two months interest!

In May of 2008 my wife took out a $50,000 life insurance policy. My wife died on 16 Oct 2008. I contacted New York Life and they sent the claim forms to me. The lady seem very concerned for my lost and explained to me what I was to do. I fill out the claim forms and sent them in the day after I received them. I received a letter saying that since the death occured with the first two years they would have to do an inquiry. I received a request for the release of medical records which I fill out and sent back. I received letters from the insurance every three or four weeks telling me where the claim stood.

Today January 20, 2009 I received a check for over $50,000. The extra money received was for interest incurred from the date of my wife's death. I would like to say that I am please with the AARP program and would highly recommend.

AARP advertises that the burial insurance rate will NEVER GO UP. I just received a notice that my rate will increase almost 50% this month, January 2009. They are quilty of false advertising to attrack business or they just plain out tell lies. I think AARP and NYLife Insurance should have to abide by their advertisement of NO RATE INCREASE.

My mother died July 16th of 2008. We file her insurance that day. She had 2mths being 2 years. We jump through many hoops. And still have not heard a answer, when we call they say that they sent it to the underwriting team. This is twice they did that. Why does it take 6mths to get a answer, when if mother didnt pay her payments she wouldnt have insurance after being 30 days late. I understand it takes some time. But this is the only insurance that takes so long.

I'm a member of AARP and went to the web site to get a quote for life insurance. I could not use my AARP number. I reviewed the comments from others who have had problems. The last thing I want to is to leave my wife a problem with a insurance company. There fore I will not be contacting AARP for life insurance.

AARP advertises no member will be turned down for AARP Life Insurance. I am and have been , a member for years. My Life insurance application was TURNED DOWN.

My mother died suddenly on June 21st of this year (2008). She didn't have much, just a few insurance policies that would cover burial expenses. Of the four policies, the first three paid for everything except the headstone and a spray of flowers on her casket. The final policy was with New York Life Ins. that she took out through AARP. That policy was for $5000. After dragging their feet on payment, NY Life finally decided how much they were going to screw us out of.

When I contacted them by phone they said the claim had been settled and payment had been sent on the 29th of July. I asked how much the final settlement was (because I do not trust insurance companies in the least) they said $1011. They told me they were not obligated to pay the $5000 because my mother had not had the policy for two full years. Well...she would have if she had lived just 1 1/2 months longer.

The $1011 is to be split between my brother and myself. That is $505 each. Each of us will pay $194 for half the cost of the casket spray of flowers and $150 for half the cost of a modest headstone / grave marker. That leaves $161 after all is paid. The big problem I have is the feeling that this big insurance mega-conglomerate has shafted my mother after she is unable to stand up to them.

In attempting to get a rate quote online from AARP Life Insurance (New Yor Life), the online rate quote site rejected my VALID AARP number - 3 times ! Now if they can't coordinate something as simple as that, what confidence can I possibly have that AARP would corectly pay out the appropriate benefit to my spouse in the event of my demise?

Unable to obtain affordable life ins.

They Have been taking the money for the Insurance out of her checking account. She lives on SS so taking out this money was not good for her although she felt she needed Life Insurance. Mom turned 80 January 16th of 2006. In September of 2006 Mom was diagnosed with Liver Cancer. She isn't expected to make it past 6 months. She gave us her Policy to check into.

When we called AARP they told us that her insurance was cancelled because she turned 80 years old. We asked why they took a payment out in August and they said that that was the Month that she signed up so, she was covered until August of 2006. Well, here it is September and guess what, no insurance.

How can they do that to senor citizens. Drop them when they turn 80?

The policy was only for 3,500.00 but Mom thinks she is helping with the costs of everything and we can't tell her what is happening because she is bedridden and on morphine and oxycodden. I can't take much more. This will leave the financial burden on the children. I would like to know how anyone else feels about this. AARP is supposed to help senor citizens. Do they feel they are not worth helping after 80?

I filled out an application for life insurance in 2001-02 not real sure of the date. When I filled it out they took my medical history and at the time I had diabetes. They ask if I had heart trouble because the doctor had checked for a blockage and nothing was wrong with me. They declined me then because the doctor had run the scope and found nothing wrong with my heart. I called one day to check on my husbands AARP insurance and got to talk to the lady about some for me. I had taken Aflac out from where I worked beside what I had with the company.

I told the customer service person with AARP that I had quit work due to a back surgery and she told me that would not affect the life insurance that only something to do with your heart, stroke or something like that. I told her that I was a diabetes type 2, but not bad that it runs between 84-135, which is good. I take pills for it and have no trouble with it. She said I shouldn't have any problem getting it.

I told her that if I could get this cheaper and she gave me a quote so I filled out the forms--sent the canceled check and the payment. I canceled my AFLAC, which was higher and just knew I had AARP because they have all ready taken the payment. I get a letter today telling me that they declined my life insurance because I'm a diabetic. They advertise that this is the cheapest way to go and no problem. They shouldn't give you this sale pitch and do this to you.

Made me mad at them because I canceled my AFLAC when they told me I would have no problem.

I am dead and have been so for over a year. Every time you send your junk mail to this address, My sister cries. My Brother-in-law, James, called you 3 times to tell you to stop sending these reminders of my death. Please stop sending correspondence to me.

I've had AARP New York life insurances electronic transfer for premiums from my checking account. I called AARP to discontinue the electronic transfers because I'm closing that checking account. Mr. Guillaumi informed me that althought he has cancelled the transfers I would still receive two bill notices for unpaid premimums and that I should just throw them away. I questioned why would I receive unpaid notices when in fact the account has been cancelled, I expressed concern that this might effect my credit rating.

He assured me that AARP doesn't report this to the credit bureau It's just the way they cancel accounts. Becauses I expressed to him that I felt this policy was both unethical and immoral and preyed on senior citizens who might be confused by the unpaid bill notices. He stated that this was their pocedure: but if I did not want to receive the two unpaid bill notices I could avoid it by writing a letter to cancel the insurance policy,this only after I expressed my feelings about how I felt this preyed on senior citizens. I know that if I was to receive two unpaid bill notices I would pay the bill for fear of having my credit negatively impacted.

fortunately no damage resulted because once I was informed of their cancellation procedure I chose to follow up with a written request. Iam simply trying to alert someone else that may not know the procedure and become victim to these unpaid bill notices.

AARP is causing me false checking charges with my credit union!!