AARP Life Insurance Reviews

Please run from this insurance. My 91 year old aunt will be paying this policy, which only has a value of $5000.00 until she is 95. At that time she would have paid $10850.00 for it. They do not stop it after a certain point, she will have to pay for it until the age of 95 or lose it. When I called for the end date, since the policy is now overpaid its value (no interest on it either). They told me that they collect until 95 because if someone dies before they pay for the entire value of their policy someone has to make up for it (those were his exact words). That is your seniors on SS who do not want to be a burden to their family when the time comes.

This company does nothing to help people in this horrible time in life. I have had nothing but the run around from the very beginning! They will tell you one thing and will not hold up to their service offered. One lie after another. They are good on putting you on hold for several minutes and give you the same results and lies they told you in previous conversations. These guys would get a flat 0 stars if it were an option!!!!

My mom had a policy for several years and she passed away in January 2023. The claims process went smooth and fairly quick. It would be helpful if they provided direct deposit of the payout but they do not. A large check or any check for that matter should be sent with a tracking number. It should require a signature to receive it. This company sends the payout regular US Post Office mail in a plain white envelope with no return address or markings at all. Even the claims processor says that they are often overlooked or trashed because it looks like junk mail.

In January of 2021 I contacted AARP Life Insurance company to take out a $5000 policy on my brother. My brother did not have insurance and so I asked him if it was okay. I told him it would be paid by me. As he no longer resided in my home when the paperwork came I would take it to him to be signed in his designated area of the form. I asked my brother if I could be owner as I would have payments taken out of my bank account, provided them with a voided check to begin the process. I was owner, beneficiary and my daughter was contingent in case I no longer was around to pay the premiums. I was able to afford the premiums for $24.30 a month as I had lost my granddaughter to death two years prior and no longer had to pay for her. I had insured her, my daughter, grandson, my husband, myself through another insurance company that was great. I have been in that insurance for over 50 years.

Had an AARP NY Life policy. Apparently, my $10K policy was changed to a 5,500k policy. Could not discuss this with customer service because the policy number I had on file was no longer valid. My premium was still being collected. Took three phone calls to get a copy of the 5,500K policy (which I have no recollection of changing). Cancelled the policy only to find that the beneficiaries listed were not those listed by me originally. My wife was listed as first beneficiary (correct), but her address and date of birth and SSN were wrong.?? The secondary beneficiary was an "In-law Kevin **" (no address or other data listed). I have no such in-law. Did successfully update the beneficiaries information and sent a cancellation form to AARP. Stay tuned.

My father had life insurance through AARP and got sick and died. He missed his last payment due to some fraud in his account and AARP honored it. I want to cry because I wasn't sure how we were going to afford everything including funeral expenses etc. These are truly genuine people with morals and values and not some heartless corporation. Thank you so much.

My husband and I both had life insurance. His policy of $15,000 monthly was $64.98 went up to $112.88. My policy was 15,000 monthly was 13.69 went up to 19.48. We were not notified of these changes and I am disabled my husband retired and were not able to continue paying these payments. As told by the company I will not get compensated and basically I lost all this money for the last 6 yrs. Bad life insurance and do not recommend it.

It’s a reliable company which a variety of products especially without an Heath exam. If you have a preexisting conditions most are accepted. It’s base on the information you give. As always if you're younger than 50 it would be good for you and reasonable rates.

I am 72 years old and I applied 4 years ago and I check every year with other life insurance companies for their whole life $10,000 policy rates and New York AARP is still the best and the lowest premium.

Purchased NY Life/AARP life insurance $75,000 for $195 a mo., requiring an electronic withdrawal from our bank each month. Filled one out & signed it. My husband had 3 strokes during back surgery & was unable to speak clearly, walk, or have memory for a year. Each month I checked our account to be sure who was deducting. Because I almost lost my husband of 55 yrs., I finally felt I should increase his amount of insurance. When I looked, I never got a policy or a copy of the "authorization", tried for months to get it from them, & finally got it a couple of months ago. They had, without notifying us or getting another authorization, DECREASED our amount of insurance to $32,000, and INCREASED our monthly premium to $322.

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.

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.

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.

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.

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.

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?

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.

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.

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.

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).

This company who my father-in-law obtained life insurance with accidental benefits from is a joke! He had two life insurance policies and luckily the other company was true to their word and paid out on both benefits within 15 days of his death. The day we received the accidental benefit from the “other” company AARP only paid us the life insurance portion. It has been over a month and a half since my FIL passed and this company wouldn’t allow us to email them the records from the hospital stating they don’t have secure email....are you joking?!? So after we finally mailed out the 240 page records they have taken over 2 weeks to go through them. Still to this day we are waiting for a payout on the accidental portion. How clearer can it be if the coroner puts on the death certificate (which AARP has) blunt force trauma!? Let’s hope they actually pay out one day!!

I took out a life insurance policy for $100,000 23 months ago. I was just diagnosed with stage 4 lung cancer and given 4 to 6 months to live without treatment. I had an accelerated rider on my policy that states if I have a terminal illness I'm allowed up to 50% or $50,000 of my policy. I made a claim because I desperately needed the money for treatment. New York Life accepted the claim and within 14 days I had the check for $50,000. My family and myself can't express enough. Thanks to New York life for their help at this time. This is a great company and so helpful in my time of need. Again thank you so much!!!

My mother took out AARP Life Insurance, she answered all questions truthfully. She passed away 22 months after having the policy. They went back 5 years in her medical records and denied the $10,000 life insurance. They stated had they known of something in her medical records they never would have allowed her the policy. It’s beyond upsetting that my mother thought she was providing life insurance to her child. AARP tells the elderly they are approved with no medical exam and won’t be denied... Little do our loved ones know they paid premiums for the insurance to only be taken for a ride.

I have had a policy for years. Lately when trying to pay online the sign on site has been an issue. And they have no email you can contact. Either in writing or phone and then when you call that is process. This is 2018 and most companies have an email you can contact and most companies are green with the bill sent in an e-mail. For customers who want that it should not be an issue. I was trying to pay my premium online and again it is not working. If I have to call in and get ask a thousand questions I am going to go off on something. This is 2018. Get with the program. Have an email for your customers to contact and go green. I really wonder what kind of company this really is.

Notice a scam at all cost, even member. You all may know a scam artist; in your pants' pocket, but has no idea that it’s happen right before your very eyes; then when they can’t answer your question for non service, It’s your fault because, all the times they bug you endlessly to become a member; but show so much dishonor, after getting back such an email made me try my best to inform new members coming in as seniors, please don’t. These people don’t honor discount, don’t believe me, but believe you laying eyes from AARP?... :-{

I have no clue why I keep giving this organization my money. Everything I need or want is denied. Healthcare, rentals, life insurance and more. The answer I get time after time is "You're not 65". If that is the case why the heck do you accept people at 50 and deny benefits? Everyone who is not 65 or older do not join! What a friggin ripoff. They will take all the money you are willing to give, but god forbid to get one benefit if you are younger than 65. WASTE OF TIME AND MY MONEY!!!

I took out an insurance policy for my wife (AARP Life Ins thru NY Life), $10,000 and upgraded to $15,000 in Sep 2018. On November 8th, my lovely bride of 31 plus years passed away, less than 2 months after taking out the policy. Now, no one including me thought they would pay on the insurance. All contact with the company was professional... On 4 June I received the full amount plus interest and a refund of premiums paid after her death! Yes, I do recommend them to everyone!

Purchase life insurance for my husband. I beat breast cancer. I was uninsurable. One month later we find out he has cancer stage 4 unfortunately soon after he passed away. There is no documentation that he had cancer. The insurance company says that he have personal knowledge of his cancer that's why they didn't pay out. They only refunded our premiums.

They have a lot of valid options and I prefer all of the benefits that they give out with using the company for life insurance policy. My overall experience with the life insurance company AARP is very positive and they give me very good coverage. I would totally keep using them and recommend them to people too.

I like everything about AARP Life Insurance. AARP is great. They have knowledgeable staff and they were very professional and helped me a lot. They had a lot of good information when I called and talked to them. They answered all my questions for me and walked me right through the process with no problems at all. They got me all set up in less than 2 days. The prices are great and I got exactly what I asked for that I didn't even need to shop around too much.

They have provided the best care for me since the beginning. I like how innovative they are and provide 24/7 customer service in case there is a question I have or an issue. I like how I can cash out on my policies as well. They are the best and I couldn’t ask for a better insurance company. They have been there for me every step of the way and I will continue to stay them till I die. And I recommend others do the same thing.

A friend told me about this policy Mutual of Omaha offers... Mutual of Omaha has a good reputation. This is a whole life insurance and not term life insurance. I like their non-changing fee for monthly payment for whole life insurance. I have mental illness and am on disability and this changed everything for my policy as the payout is only $5000 and the monthly contribution is $20 or so. But the monthly contribution doesn't increase. I was also able to borrow $500 from my policy which is pretty common. However, I don't really see why I would only have a sum of $5000 for my relatives which is not enough to bury myself and enough for cremation barely. At least the amount I contribute doesn't change but I wish the way they do this would leave more for my survivors.

AARP is the best company to get the coverage I need and trust. They gave me the best rates and the insurance is not super expensive. I love that I get great coverage for life insurance but I wish I could get more coverage but pay less out of pocket cost for it. I also wish I could get a deal or a discount. I feel confident in this company that if anything would happen my family would be safe. My family, my mom and dad have used this company also. I would recommend AARP Life Insurance to other companies.

I like the price that I pay and also the peace of mind that comes along with having this policy in place. I like being about to know our kids would be taken care of in the event that something were to happen to either my husband of myself. AARP should have more features be available online. Have more how to guide and explanations of the different products offered and the different coverages offered. Since I had never looked at life insurance before it can be a little overwhelming. Overall I had a really positive experience with this company from start to finish they were there by phone in order to answers any questions I may have and helped walked me through the entire process when purchasing life insurance.

My mother died January 31, 2018. It took me over a week digging through papers to find the policy. After reading many reviews, I didn't think I'd be getting anything, but I was wrong. The check came within a few days, and a payment that was made after she had passed was included as a refund. I rate this experience as 5 stars unequivocally. If you keep up your payments and understand your policy, you should be fine.

I am very pleased with my choice and have been very satisfied with the company. By far best customer service with agents available twenty four hours a day to answer questions. Highly respected company with great rates and many best plans to choose from. Highly recommend discount for AARP. Easy enrollment and great online presence, too.

I have life insurance since I got married this year and I have AARP through my employer. I have never had to do anything with them other than to pay the bill. I would like for them to offer more coverage and I would like to be able to borrow against the policy. I know people who have been able to borrow against theirs but I know this is not an option for me.

It is the best in the market and provide the best customer support. They are very efficient, they always do their stuff to the perfection and they have not given us any problems. When your help is signed, they are always present. They should improve their variety of care centers to be able to communicate more easily.

AARP Life Insurance is always reliable and keep me up to date. They are always able to answer all my questions and are very friendly. I believe they are running this business the way a life insurance company should be ran and I'm very pleased. However, price is a little steep and I would definitely love to see lower cost for insurance but other than that I am very satisfied as a customer. AARP Life Insurance is a very good company to have on my side, have always been there when I need them and I definitely plan on sticking around for quite some time. I have also got many family members to join.

It's great that AARP Life Insurance communicates with their customers quite often when providing great customer service to me and my family for our plan and they know at all times that I am there for a good reason and that I want their services. I like the system quite a lot. I also like that they care about me, try their best to help me out and make sure I'm satisfied. They usually do a great job of responding to my questions in a prompt fashion. But AARP is so far off some of the other cheap ones that I have been quoted for and have thought about using and I like them. I don't want to remove AARP but they need better pricing for me to stay for a long time.