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Consumer Complaints and Reviews

Patricia of Martin, KY on
Satisfaction Rating

My mom passed away May 2nd 2015 and she had no type of insurance so my family and I had to borrow money just so the funeral home would put her out for visitations. It was extremely hard on us and my dad didn't want my sister and I to go through that again so he got burial insurance to make things easier on us when it was his time. Not realizing he would be gone 11 months later... Needless to say AARP didn't pay so once again my sister and I had to go through the same ** yet once again. Now they are saying they have to investigate and asking for medical records and court papers. Here we sit almost 7 months later and still haven't heard from them or received any money. They sure didn't seem to care to take his payment every month. This is ridiculous. AARP why don't you people put yourself in the family's place for once. Just pay up.

Eileen of Gaffney, SC on
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My husband had his policy since 2005. He was 2 days late for a payment for Sept of 2012. He died in May of 2016. This opened a Contestable policy. They have gone back to records from 2004, a dead doctor from 2009, an eye doctor, a consulted doctor. Items wrongly placed accidentally in my husband's med records. I was told 3 weeks ago again that we had passed. (They said it was cleared in August, and something else came up.) Still no check on the horizon. I also have this policy, and I fear for my children should I die suddenly. I have Never been late. But, they won't send me the proof he was ever late, though, I have asked for the payment details 6 times now.

I really feel this company is a ripoff. I have a 12 year old, a dead fridge, a failing heating system...and promises of money. I just need to be paid, to get the funeral bills paid...and be able to access HIS bank accounts. I need to write a book about the dog and do not when someone dies. DO NOT DEPEND ON THIS COMPANY.

Vanessa of Blairsden-Graeagle, CA on
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My mother passed away in March 2016. She was so proud she bought life insurance to help cover her funeral. We (her kids) had to pay for it which is fine... but they said because her policy was under 2 years old they have to investigate. Still waiting!!! Horrible... Wanting medical records for 5 years back... and now court papers requesting release of more records. She would be heartbroken... She had a fixed income and afforded this for us. Read the fine print. Ask the questions.... Help the elderly before they get scammed too!

Stephanie of Oklahoma City, OK on
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Today is the one year anniversary of my father's death. He died from pancreatic cancer less than 3 months after his diagnosis. My mom purchased the policy in June 2015, when no one, not even my dad, knew he had cancer. I understand there's protocol that needs to be followed when paying a claim. I myself sold life insurance for a few years, but the fact that my mom filed this claim almost a year ago and they STILL are trying to search for doctors to prove that my father knew he had cancer before my mom purchased the policy is absurd. Every few weeks they want to check in with this doctor and that doctor, they have ALL of his medical records, yet just LAST WEEK they asked my mom if there were any other doctors they could reach out to "to make sure" he wasn't already diagnosed before she purchased the policy. I am very disgusted with this company.

TRUETT of Denver, CO on
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One reason I joined AARP at 56 years old was to get a basic life insurance which, they deeply marketed to me. Even the basic insurance policy (say 10/25K) will be impossible for anyone to obtain if you have been prescribed any medication other than ** (maybe this also). Marketing done by them at their best and useless if you are seeking real help in the insurance area.

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Patricia of Edgewater, FL on
Satisfaction Rating

My husband got this policy last October when he turned 75 because his other life insurance ended then. Early this year he got sick and died. Because the policy was less than 2 years old, it is AUTOMATICALLY contestable. I understood that and waited patiently while they gathered all of his medical records to review. He didn't die from any illness he had prior to this coverage and he was completely honest on his application. In less than a week it will be the 4th month anniversary of his death and they still haven't completed this claim. I call at least every 2 weeks and it's always "still being reviewed." I've seen his medical records and was able to review and understand them in less than an hour. They've had everything for 2 months. I just canceled my own insurance with them because I don't want my family to have to go through the same nightmare that I'm going through.

While I'm over here racking up interest on our CC's they are over there doing nothing. I don't know if they are going to deny it or what, but there's nothing I can do until they process it. This is absolutely horrible to do to anyone, let alone elderly people that are living on social security. My husband worked and was the income earner in our home and this is the only money (that we were SURE we could RELY on) to handle matters after his death. DO YOURSELF A FAVOR AND DO NOT GET THIS LIFE INSURANCE.

Jonathon of Felicity, OH on
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My premium went up $200. NO driving violation at all. I called the JOKER, tells me they had a lot of claims this year and insurance is a pool so I have to pay more. I told the JOKER I'm not paying for someone else's bad driving. So I found the same ins for $400 less.

Jimmy of Milton, FL on
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As a long time insurance broker I am very aware of the AARP "racket". As an insider I am familiar with AARP tactics. They are simply a social welfare/lobbying organization. They are in the business to court politicians and sell insurance. They do it under the guise of "social change". They are a tax-exempt organization that funnels money to organizations that are, for the most part, corrupt. Seniors are duped into believing they are looking out for them when in actuality the fox is in the hen house.

Darlene of Bentonville, AR on
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I had life insurance through AARP for at least a good 10 years. When I reached 61 my premiums went up and I was unable to afford that policy. I decided to drop that policy while considering different alternate ideas. I decided the best thing to do was to drop the amount of my policy and open a new one with AARP. In the meantime I was diagnosed with cancer which in fact has been treatable but I was denied a new policy because of this diagnosis. This is morally wrong. I have supported AARP for years and no they are not for the senior citizen but just another money profit organization. They should be ashamed.

Celestine of Chicago, IL on
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I filed the claim in April 2016 for Life Insurance for my husband. I receive regular letters always dated the 25th of each month that notifies me they are giving me status in accordance with the state law. This makes me believe that they have no intention on paying the claim. Called the customer service number and was told me that it's with the underwriters. This process could take a year to six months. I have canceled my policy with them. Do not want my son to have the same experience, should I passed unexpectedly.

Margaret of Brainerd, MN on
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They advertise guaranteed coverage and denied my coverage because of my health history that they located from old form. They do not have guaranteed coverage!!! False advertising is what I think this is.

william of The Villages, FL on
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I continually receive requests to increase my life insurance. They state "without significantly increasing your monthly premium". At what point is a 165% increase not a significant amount. From $102.93 to $265.99 per month for $24000.00 more in insurance. Seems wrong to me.

Kelly of San Diego, CA on
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Elder Abuse. The life insurance policy sold to my mother amounts to a scam. Shame on AARP. People buy policies with the AARP mark thinking that they have been reviewed and approved. I am not going to be sending AARP my $12 fee last year. What are they doing with those funds?

Rosie of Amarillo, TX on
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I was really thinking about signing up but after reading reviews FORGET IT. Sounds like the only ones giving good reviews are still alive lol. Family members of deceased members ARE NOT GETTING PAID AS PROMISED! So the living members will not know the encounter awaiting their family after their demise??? No thanks.

Alan of Phoenix, AZ on
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I sent in the paperwork in May of 2010 and I have moved 2 times since and never received a penny from these people for my mother's insurance. I do not understand why people trust AARP. She had the medical reimbursement coverage and I sent in a copy of the medical bill. Not even a reply.

niteki of Grand Rapids, MI on
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My mother passed away on April of 2011. She had a $30,000 policy. My two sisters and I found her policy in her lock box which stated what we knew and what she told us, $30,000 policy. When it was time to pay out they only paid us $10,000. We asked why and they said she had lowered her policy to $10,000 a few months ago. No evidence of this. We have the original policy. They would not give us paperwork stating that she changed it, just their flapping gums. I would not recommend this company to anyone. I agree they are SCAMMERS!!!

Sheboygan Skipper Mike of Sheboygan, WI on
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Too MANY times not being able to log into my actual Policy Account as I'm told "You must be a registered member". What a load of manure!! So I re-register! I am told "You already have a current account." I'm ready to blow a head gasket, but settle down as I don't know if they'll pay for my unexpected death!! Catch-22.

Dennis of Salisbury, NC on
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My wife and I both have now retired from local government and wanted cheaper insurance. We joined AARP and New York Life Insurance, and after two months I received a letter that I was turned down because of diabetic history. My wife has a two year waiting period. Now we can not go back to our old insurance. Thanks, ALOT AARP.

tijuana of Detroit, MI on
Satisfaction Rating

My mother passed away 8/2015, she had a brain hemorrhage which led to her having a stroke, she had a 30k policy thru AARP with NYL, I being the beneficiary submitted all paperwork, as of Jan 27, 2016 I have not heard from them, after I call I get a letter from claims with no signature, stating they are waiting on paperwork. It is now mid February I just contacted the insurance commissioner, because though she passed within the contestable period, it was no preexisting condition... And they keep asking for the same paperwork over and over, I would not insure my pet Maltese through this company. And I love him like one of my children. NOT RECOMMENDED.

Lisa of Plaquemine, LA on
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For people my age (50) and over, it was very simple to join. Affordable rates, easy pay options made it very simple. I would truly recommend A.A.R.P. They took the worry out of getting life insurance. There was no forms to fill out, no long health questions that you didn't have answers to. Help is always available.

Judy of Tyler, TX on
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There are only a few questions asked to qualify for the AARP Life Insurance and the premiums are low. It was easy to apply online and also easy to pay premiums online each month. I do not have insurance with an employer and this was the best choice I made. I found out about this insurance once I turned 50 years old and I also pay $16.00 a year to be an AARP member which is not much for the benefits you receive. I would recommend looking into getting this life insurance because there is not health exam to qualify.

Obanes of Rochester, MN on
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The thing that I enjoy most about AARP is that they have the most comprehensive help and caring employees I've ever had. Every time I've had a dispute or a complaint, they would immediately take care of it, and send me on my merry way. If I had to choose between a different insurance company, I would stick with AARP. I would definitely recommend them to all my friends and family.

Roosevelt of Brooksville , MS on
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My mother have a policy with them for 10,000. Her policy was 1 year and 7 months old. They have only three question that you have to answer on the application. I answer those question. I even wrote in that she had a heart attack 2 years ago. So that issue the policy a standard policy. I worked for an insurance company in the past. They ask you over 20 question about your medical history and before they issued you a policy they would check it out. But AARP don't do that. My mother pass month ago a heart attack. Now they say if they would have known this that they would have declined her. They never had no intention to pay on this policy. AARP is a fraud. They will collect all of your premium. Did when it time to pay off they come up with all of this about her when those wasn't any questions on the application so I won't recommend AARP to no one. They will not do you right. Yes they have consumer services. But when it time to pay they won't, so beware.

Paula of Kankakee, IL on
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Very satisfied with AARP NYL insurance co. No medical physical was needed and it is convenient to pay online every month. Was able to search online through AARP for the best insurance policy for my family. If you need insurance of any then AARP is the place to look for affordable deals on every kind of insurance.

Gerri of Milton, MA on
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Have no problems with AARP. I pay a low rate and it's well worth it. I would tell others to definitely get life insurance even if a small amount. I have had aarp for a yr now. Before that I had globe insurance and did not like the results of the billing twice. Globe life did not receive my payment on time and they dropped me.

Melissa of Pikeville, KY on
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I have had an awesome experience with AARP. They have been helpful to me about letting me know what I was covered for and how much. They explained my policy to me thoroughly and let me know when something was to change or if a new deal came along that was better for my circumstances. I don't make a lot so letting me know these deals and having a lower price at the same time letting me know if something was to happen, my son would be taken care of is a peace of mind for me.. so thank you AARP for being an awesome insurance company.

Anthony of Silver Spring, MD on
Satisfaction Rating

I have had very little experience with my life insurance company. But the little time that I have had they have provided me with good information that was beneficial to me. Their customer service department has been very responsive to my needs. The rate for my age was very reasonable and it was easy to sign up. I would recommend anyone to use AARP life insurance.

Violet of Pittsburgh, PA on
Satisfaction Rating

Rates are affordable, agent explained every detail in the policy, your present health is not a problem for them to cover you and you are guaranteed coverage. They have different terms, such as Term Insurance and whole Life Insurance. Being a member of AARP has made me eligible to have coverage and has many benefits to me. I am confident that my family will not be left with huge funeral costs and that gives me peace of mind. They keep me informed about new items and products that are available to me through their email. Can be contacted easily if I have a question or a problem.

Melva of Philadelphia, PA on
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I, too, received $38 after making monthly payments for the past few years. My experience with AARP is that every time I made payment whether online, personal check or money order, they never received payment until a few months when, alas, I found the payment. Many times my bank account was overdrawn because AARP claimed they never received payment online and a month later they found the payment when I did not have the funds. I finally decided to cancel all insurance with them, sent them a registered letter, return receipt requested, and guess what? They never received it even though they signed the return receipt acknowledging receipt. I'm not sure if this is a game they play of never receiving letters or payments, or perhaps it is the city I live in, Philadelphia, but I will never deal with them!

Tina of Syracuse, UT on
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Glad that I have insurance. But the cost is high because of my age. Least I can leave my girls a little something. I would like it more if my payments were lower and did not go up every 5 years. It's from AARP through New York Life and it will help older people so that is a good thing. Their customer service people are very helpful and really listen to your questions and concerns. I like what AARP offers in deals. I have saved a lot of money by being a member.

Expert Review

Neal FrankleLife Insurance Contributing Editor

Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of    More about Neal→

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. New York Life often sells pricier policies than many consumers can buy elsewhere.
  • 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.

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