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AARP Life Insurance

AARP Life Insurance
Overall Satisfaction Rating 2.91/5
  • 5 stars
    71
  • 4 stars
    97
  • 3 stars
    56
  • 2 stars
    27
  • 1 stars
    122
Based on 373 ratings
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AARP offers roadside assistance through Allstate. AARP members who sign up for roadside assistance can get help 24/7 if they have a flat tire, need their car towed, run out of gas, have a dead car battery or lock their keys in their car. Members are covered in the United States, Puerto Rico and Canada.

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    AARP Life Insurance Reviews

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    Page 1 Reviews 0 - 10
    Rated with 1 star
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    Verified Reviewer
    Original review: April 23, 2020

    On 4/8/2020 I renewed my membership. I've gotten many bills since then. Why the heck do they keep saying that I have not paid. I can verify it was paid in my bank. To me it seems like they are scammers trying to make you lose money. Not at all secure.

    9 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 19, 2020

    NO customer service. Waste of money. AARP is not worth the money. They are paid a royalty/commission to sell United Health and won't help if you have a problem with what they promise. Buy from Cigna. United has also a lot of bad reviews. Their customer service terrible.

    16 people found this review helpful

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      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 23, 2020

      I'm curious on whether or not to proceed with life insurance policy. Need some honest advice from others that have dealt with this company. I see a name, Jason Montgomery as agent out of Arkansas and California? New York Life seems to be a legitimate company and AARP is but some of the reviews seem to be suspicious on this company. Thank you for any insight. I would hate to waste thousands of dollars in premiums if this is a scam insurance company. Unable to publish email address so I'll check to see the latest reviews (2020). Thank you.

      26 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Dec. 30, 2019

      I have carried a $50,000 AARP Term life policy for 25 years. Last year we moved and I updated my address with the company as instructed. I recently stopped receiving my premium notices and when I called to check on it after much wrangling and being put on hold and transferred I was told that the post office had returned several of my invoices and put a mailing label on them that has never been an address of mine. So, the company cancelled my policy! NO phone call, no email...They said they sent a notice to the bogus address (which of course I did not receive) and so 25 years of payments and the insurance I was planning on for my two children no longer exists through no fault of my own. NO apologies, no offers of reinstatement. Only an offer to reapply for insurance at age 69 and start over. Terrible customer service and a real disappointment.

      45 people found this review helpful
      Rated with 5 stars
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      Verified Reviewer
      Original review: Nov. 23, 2019

      My grandma started a policy with NYL/AARP Nov/2011, January 2019 she was diagnosed with Metastatic Lung cancer that spread to the brain, esophagus and other areas, she transitioned this life Oct 2019. I was concerned that her 100,000 dollar policy wouldn’t be honored after reading some of these complaints, I couldn’t be more wrong, the benefit check was mailed within 10 days. The common thread with a lot of these complaints are that the policyholder died within the contestable period and also when the policy has lapsed, it's crazy that some people would expect a payout on a lapsed policy, speak with your elderly relatives especially when they’re sick to prevent a lapsed policy. As long as medical history isn’t hidden on the application and the policy has lapsed, which should be a no brainer, everything should be fine.

      14 people found this review helpful
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      Rated with 1 star
      Verified Reviewer
      Original review: July 28, 2019

      I applied, answered the 3 questions, and sent money. 3 months later, no word. After several days of calling, found someone who said there were more questions. Answered them. 3 months later, received a refund check in the mail for my initial sign up. No explanation. Either I was denied or they have decided to issue me a policy for free? Which do you think?

      37 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 2, 2019

      I was sent many offers to apply for the life insurance policies. I applied and truthfully answered any questions. I am in very good health but because I had a gastric surgery a year ago to better my health and weight I was turned down for that ready only for coverage. They claim to help seniors to receive coverage for family in that time of need yet they do just the opposite. It’s a shame they misrepresent themselves to people.

      34 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: June 25, 2019

      I was offered three times to up my coverage and to accidental death coverage. They offered me $60000 in accidental death for only a few more dollars a month. After three small increases in my monthly payment I was getting $30000 in coverage. I lost my certificates and when they sent me new certificates the coverage said $20000 and the accidental death said $50000. They refused to correct it so I cancelled my policy.

      32 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: June 6, 2019

      My father passed in 2014 with a $10000 policy. He had always paid auto-pay on time. When he passed I called about his policy and was told they stopped accepting auto-pay which was the same time he moved. Out of all the people he paid bills to they were the only ones that didn't recognize his change of address. They told me I could write a letter and possibly recover the money he put into it. They are a joke, but most insurance companies find a way not to pay so I wasn't surprised.

      43 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: May 2, 2019

      I joined AARP 6 months ago and tonight I called them to ask them to stop sending me insurance offers. I haven't kept an exact count but I estimate I have received at least 20 offers for insurance (car, life, health) since joining. I've gotten 3 car insurance mailers in just the last couple of weeks. It's relentless. I logged onto the website and searched for a way to stop the mailers (I imagine AARP kills a lot of trees sending these out to all their members).

      I searched the site, and not finding an option to stop mailings, I finally clicked on help. I typed in "STOP Insurance mailings" and it gave me a Phone number to call so they could advise their vendors... but warned that it would take up to 3 months to stop the mailings. I called the Ph# 800-687-2277 and got connected to a robotic Pitch Loop! First the robot wanted to sell me an emergency button in case I fell down, you know "I've fallen and I can't get up". I discovered (too late) that if you press # it will stop the pitch... AND START ANOTHER! I then heard about their most excellent roadside assistance plan (sorry-AAA for 34 years)... #! Then I got a pitch on AT&T internet services... #! And when I pressed # again, they started the AT&T pitch again... # # # #! When I finally got the Robot salesman to stop it referred me to another Ph# 800-712-6600 which ROBO SALESPERSON said had replaced the previous Ph#.

      When I called, I got a new ROBO SALESPERSON who started their pitch with AT&T. I hung up...called another # and requested a full refund for my 5 year membership dues (they insist on keeping $5 for the many excellent sales pitches they provided me). They are supposed to be an organization in service to seniors - As far as I can tell, they just sell their mailing list to anybody (and everybody) to fill their coffers, kill trees, and abuse seniors with endless emails and snail mail pitches. SHAME ON YOU AARP!

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      29 people found this review helpful
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      AARP author review by Neal Frankle

      AARP is a large organization boasting over 38 million members ages 50 and up. They opened their doors in 1958 and now have offices in all 50 states.

      • Great products: AARP markets insurance products by New York Life – a highly rated insurance company.

      • Member supported organization: AARP often provides discounts to members.

      • Unique policies: AARP markets “no physical exam” insurance, meaning customers may be able to find an insurance policy through AARP that they cannot buy elsewhere.

      • Life insurance: AARP is not an insurance company as suggested above. They only market life insurance and annuity products by New York Life, and New York Life often sells pricier policies than other insurance providers.

      • Cost: “No physical exam” life insurance is often much more expensive than alternatives. Even people with existing health conditions can typically find coverage without going this route.

      by Neal Frankle Life Insurance Contributing Editor

      Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of WealthPilgrim.com, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of www.MCMHA.org.

      AARP Life Insurance Company Information

      Company Name:
      AARP
      Website:
      www.aarp.org