AARP Life Insurance Reviews

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.

AARP is a pretty interesting and amazing company. They are very user friendly. Overall as a company they have a lot of positive things to offer their customers and that is a pretty big thing. I enjoy that and what they do. I love all the different perks and all the different things a person could possibly use and find it beneficial for sure. It's always been a pleasant experience and I have never had any issues when it comes to them or the treatment I get. I am wanting to see what else they might be able to progress with. I like them a lot and I plan to stick with them for sure.

AARP Life Insurance did not medically underwrite... coverage was guaranteed with no medical questions. Due to pre-existing conditions I would have never been approved if medically underwritten. Coverage was limited for the first few years but I'm very happy with them. I've only had to call them once with a question and they gave me a quick correct answer. You can't do any better than that.

With my insurance company AARP, there are a lot of features that I really like although I love most is that I do not always have to call in to speak with someone, I can access my account at any time of the day online and I love it. They are so very helpful for me and my family with pretty much everything that we need, they are so convenient and always willing to help and go way above and beyond my expectations. Overall my experience with AARP has been wonderful. They have not let me down since I have been using their service, they are perfect and I would not trade them for another company ever.

The policy was affordable at a time when I needed it affordable and available for my age group. The paperwork involved was easy and painless to fill out and the material provided was understandable and clear for an elderly person such as myself. It also was not overbearingly time consuming. But they could have features such as increasing the amount of policy coverage at cheaper affordable rates for baby boomers. And at times they should offer additional coverage at present rates individuals are paying for. Other than that, my experience has been pleasant.

I like that they are an easy company to deal with. They help you find what you need, are willing to answer any questions that you might have and they make all of their products affordable. They make the process as easy as possible. My overall experience was a great one. I was able to get exactly what I need and will definitely recommend them to anyone who asks me.

They are a company that caters to over 50 people so they know how long we need insurance for. They are tailored to my age group and to my needs and are in my budget range. They also took into consideration my health issues and how long I might need insurance for and how much I would need. It is also easy to navigate website. But I would like the insurance to be bundled with other policies that we already have and include health insurance and auto and home and more companies to pick from.

AARP honestly seems as any other good life Insurance company. I am able to easily make changes online or the phone if I want to change or add anyone. They claim fast payout if God forbid myself or husband passes away or any of my children. I can cancel anytime I choose which will stop the low monthly payments automatically withdrawn from my account. If I do choose to cancel I lose out on the past payments and money I've put into it in the last 5 years, but I don't plan to cancel. My husband and I are young and plan to get something better. Once older we more have this In case something bad like accident happens and we will know either me or him will be financially okay along with both our kids plus costs for a funeral.

I had a policy that I carried for years for $20,000 not knowing that after a certain age the policy expired. I had chose that amount due to my budget. When it was explained to me I wanted to convert it to a policy that would be in effect until my death. But I could not do it with AARP so I ended up having to change companies and dropping the value by $8,000 to keep it in my budget. Very very poor agent explanation.

As a senior we look out for services that are specific to our age group and AARP has accommodated this desire. They cater to people like me rather than try to be inclusive of every age group. But there could possibly be room for improvement in their online services. It is only sensible to become more in tune with doing things online instead of having to wait on live people at the other end of a phone line. Nevertheless, AARP has been very rewarding, there is a lot of compensation for being a member. They come up with a variety of benefits that enhance your life, not just as a future recipient of death benefits, but for while you are living.

I enjoy the quality of life insurance I get from them, and it's very easy to deal with them and contact their customer support when I have any question concerning my policies or anything else I need to do.

AARP Life Insurance was cheaper than most of the other insurance companies and their expensive policies. The company provides me with the best policy and I trust them with everything. But they need more policies.

After 7 yrs. of paying premiums on time, never late, I received a letter from the "CEO" stating that my policy was cancelled due to my turning age 60. I called and was reassured that I still had my policy but my rates would increase as I was on a new "Tier". They kept trying to get me to exchange my term policy to whole life which would cost me almost 200.00 per month!!! I was upset that the whole life was not offered to me initially as I would have accepted the whole life... 7 years ago! I agree with everyone else, I trusted AARP but now I see that this policy is a scam for us older individuals and now I'm wondering if I should keep IT because of the reviews, they might not pay my kids and husband if I passed away!

This whole association between AARP and New York Life appears to be a conspiracy to scam senior citizens. The policy was grossly misrepresented and immediately upon sending me an email saying that I was approved they charges the premium without me ever seeing the policy (it arrived 2 weeks later). When I called they said that was "policy". When I requested cancellation which I have now done 3 times they refused to cancel unless I notify them in writing and refused to refund my $266 unless I send them a written request.

Mother was invited to exchange Term Policy, at conclusion of age limit restrictions (16 years of premiums paid). Was told new whole life policy would have full matured value. New policy has 0 payout in first year and indicates payouts equal about half premium payments and only fully mature until after 15 years of more premiums, when and if she is 95! TOTAL RIPOFF. Putting money in bank and collecting interest, at least will get all your investment back.

I've read a lot of bad reviews about beneficiaries getting their payment from AARP Life Insurance. My mother passed away in October and I received my full payment due me from AARP a month later. What might have made my payment successful and quick was that my mother was healthy at the time of applying and had this policy for over 12 years which was for $10,000. She never missed a payment and total payments to AARP throughout the years was over $13,000. So AARP Life made money on this policy. Another thing to note is you got to watch out for the person that dies only had the policy under two years. Seems like that will allow the payment to be contested.

I am now a nonsmoker and my rates are reduced slightly. When I reached age 60 my premium also doubled and it goes up every 5 years but considering what other companies offer this was the best option for me.

My sister died in May of 2017. She had an AARP 25,000 life insurance and had me made co-beneficiary for 10,000 to be sure her funeral expenses were covered. Same story - no check as of 8/22/17. She had the policy for less than 2 years - about 1-1/2 years. She died in her sleep of unknown causes but no medical condition she had would have caused sudden death. She died on a Tuesday and was planning a week vacation to the beach starting Saturday - she was not sick. They have requested records from everyone they can find that she ever saw. I spoke to them on the phone today. After reading these reviews, I feel sick. I am on social security myself and fear they will look for an "out." I want to trust that they are honest, but... no check, no answers and not much hope. I will be contacting the insurance commissioner.

The membership department of AARP is a total disgrace. My mother passed away over 1-1/2 years ago. Upon her death, AARP was notified within a couple of weeks; however, I continue to receive billing and renewal information from the company. Each time a notice was received, I returned with a note on the billing that she had passed away. Apparently, the staff of this department is totally incapable of reading and updating records; or, which I tend to believe is that they don't care. This is an agency that is supposed to have the best interest of seniors; however, their inattention to detail show just the opposite. The amount of money spent by this agency to send these notifications is a waste; and I consider it harassment. The cost of redundant mailings could be put to real use by helping seniors. Another concern, if one notices on the billings/membership renewals there is no way to contact AARP.

I'm very sadden beyond words. My mom like most parents was excited when she got life insurance and like everyone else she paid her premium and unfortunately passed away. Thankfully we had family to help us pay for her funeral to give her the respect and dignity she deserved when AARP refused to pay the Funeral Home since they needed to investigate. As her child I decided to do some research and found this website along with others and I must admit that I am expecting me and my siblings to not get paid a dime since it appears AARP doesn't like paying up, even when you answer honestly to get the insurance. Who knew you could be healthy but had an emergency room visit a few years ago and they use that visit to deny your claim.

I had AARP supplement insurance, for years I was paying $15.00 a month. In 2011 I had to go to the Hospital for 2 months in Hospital. AARP insurance was to pay me, so much money a day, I think it was $150.00, that I'm in the hospital. When I submitted my claim, it was declined. Then in 2013 I'm back in the hospital again 2 weeks. I submitted my claim again for a different case, it was decline again, SO it is all ** AND A SCAM. THEY JUST TAKE YOUR MONEY. So I told them to take a hike. They kept sending me letter and I throw them in the trash.

I purchased a NY Life whole life policy. It was a paid-up whole life policy based on market returns. The market failed and dividend did not support the policy. NY Life demanded more money. At the time I did not have the funds so I requested that they lower the face value. They said they would not do so. Because I could not support the policy I was forced to sell it. It had a cash value of about 22k. NY Life charged me a 10k surrender fee thus I netted 12k and they stole 10. I am suppressed that AARP would be involved with such an organization as NY Life. I urge you to read all of the fine print and preferably have your attorney review any contract you enter with NYL.

My mother purchased a life insurance policy years ago. This policy was maintained and paid for by my now deceased brother for several years. Years have gone by and my mother is now in a nursing home and has been there at least four years. At least yearly Medicaid and Medicare require lots of paperwork to keep her enrolled. Part of the headache is this policy that apparently has some sort of "cash value". I can't imagine how much this value could be but it can't be more than $1,000. Nevertheless, this policy is an issue each and every time, without fail. I finally have gotten tired of playing this game with everyone and decided to TRY and do something about this policy so it won't be an issue in the future.

My mother passed away in July unexpectedly and unfortunately her life insurance fell under the 2 years or less clause and just like everyone else on here my brother and I kept getting the letters. We're reviewing, we have everything and then now wait we need some more stuff. We noticed there was about 2 letters a month. I also called a handful of times and got nowhere but decided to have faith and wait it out. My brother and I finally got a check yesterday about 6 and half months after our mother passed away and get this... It included interest as well. So I post this to let everyone know to hang in there and have faith. It sucks to lose a loved one and have to go through this but hopefully if you're reading this there'll be a light at the end of your tunnel and if for nothing else but for the fact that your loved one wanted you to have the money.

My wife was the secondary of 100% 15,000 thousand dollar insurance. He passes away and on her sister get the money not my wife because she was secondary. AARP are wrong. He was paying for both not one.

My mother died April 6, 2015, four months before the two year window was up. She never went to the doctor other than the last 7 days of her life. Half in the hospital and the other half in hospice. However I understand that an insurance company needs to investigate. Considering she has no medical records other than that as of January 24, 2017 they still have not settled the claim. I called as of today and the final step of the manager to finalize this is still up in the air. They told me once it reaches the manager's office it should only take about three weeks. Now funny considering it has been in the manager's office since Dec. 2, 2015. They had no problem in getting 700 dollars a month from my mother on her policy but yet there is no justification in them not paying the claim on my mother. I feel my next step is to go to the insurance commissioner on this matter. It's not like they had binders and binders of medical records to go through for years just 7 days.

My claim was finally resolved after I contacted AARP directly and filed a escalate case on my dad's delayed claim. New York Life Insurance is horrible and keeps telling me that his claim was under review with the underwriters for several months. It was cleared that there was no evidence that my dad was never sick before his policy was activated. If you guys are having this issue, contact AARP and file a complaint against their provider. Let them know what's going on and request assistance by setting an escalation. It took 10 days for New York Life Insurance to finally settle. We are relieved and can now move on. Good luck everyone.

I have been with AARP for 5 years. I am of sound mind and so I am on top of the ridiculous barrage of mail that I receive asking for my membership money. Today, I received yet another mail saying that I have not paid on my membership since 2011. This is ridiculous because I pay every year and I keep a record of those payments. This is a constant flow of requests for me to pay on my membership. Right now, I am due to pay my yearly fee, but these letters come ALL THE TIME.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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?

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.

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.

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!!!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.

I originally selected this policy as a term policy and at a later time was offered the option to convert it to whole life, which I did. I have an auto pay set up, so I don't have to worry about missing or forgetting a payment. AARP offers many benefits for seniors, life insurance being only one. I have had no problems communicating concerning my policy nor have I experienced any issues at all. When I choose this insurance, AARP offered the best financial solution for this uninsured person.

I have found that working with the AARP (which my policy is actually New York Life) that they are extremely helpful and take the time to review my needs as a person. As I get older, they are in contact to give me more information on what is, or might be necessary, to help if something happens to me. I also purchased another policy directly from New York Life for additional benefits which I have carried for two years now. They are a great company and AARP spends a great deal of time helping people in my position.

The people I have talked to have been very friendly and supportive and have answered all of my questions without a problem. They are ready to assist you and have explained some questions that I had in detail so that now I understand what the policy contains. I would recommend them to anyone who is looking for insurance.

I am satisfied with my insurance company AARP. It fits my budget and protects my family. There are so many benefits to having this insurance and so many trustworthy products you gain access to for being a part of AARP. I would add to this insurance but I would not change it.

The price is great for the amounts covered. It is whole life insurance, at first. It was easy to buy, and all my questions were answered by the literature they sent to me in the mail. Unfortunately, the rate goes up as you get older. They send you offers each time that you would get an increase (which is every 5 years) asking if you want to convert to Term Life for a lesser rate than your new one for whole life would be. They offer automatic debit monthly payment plans. If you don't have much money, it's a good way to be covered.

They were very easy to work with over the phone. Required a few health questions & information about my doctors & health. This company made it easy for me to find a policy that fit within my budget and allowed me to have enough coverage that my final expenses would be paid and I wouldn't be a burden on my family. I would gladly recommend them to others that are of advancing age and on a fixed income.

Outstanding sign up. Customer service during the The process was quick and not too intrusive. The premiums are quite manageable for the coverage offered. I had resisted buying life insurance for a long time because I didn't think I could afford it, but the variety of plans offered made me comfortable with signing to. I'm glad that I did.

Prompt payment on claim when my spouse passed away. They were very kind and thoughtful and very sensitive to my situation. I had to wait a few weeks for doctor's records and they always kept me informed. For this I would definitely recommend them to anybody looking for a good life insurance company. They made me feel important to them.

I have had my policy now for more than 2 years and when my payments go up I get prior notice beforehand. They give me the option to upgrade it and lock in my current rate so it doesn't go up every 5 years. The notices I get are gentle reminders and they have never come off hard lined, but actually care about my business in making sure I got the coverage I need for Final Expenses for when I do kick the bucket.

Like the coverage but every 10 years the policy premium doubles and when you reach 70 the amount of coverage you have been paying for years is cut in half.

I have been with AARP FOR 3 years now, I just learned that if I was to cash my policy in with them I would get $16.94 back out of $1,584.00. Why? Because they said it's a Term Life insurance, not cash out insurance. I felt that with my age I needed to look into a Long Term Med. Insurance just in case I needed to be hospitalized in my older age. I would have that insurance to rely on. I'm 53 years old, I do have other Life insurance, When I turned 50 years old, AARP contact me. I have other insurance just in case my family needed it in the long run for me but, Woo, if I have just knew which insure I was buying into. People Make sure YOU look at all fine print when working with this Company. And also do you know it go up after every 5 years of aging. This is Crazy. Can't turn back with this one, because I will lose out. Next time I'll stick with United Insurance Company.

I recently got this insurance, so I have not really had a chance to interact with the company. I am sure that this will be a great insurance company. The cost is very low and it is worth every cent that you pay.

Great customer service! Representatives are very nice and always willing to go above and beyond to make sure all my questions and/or issues are settled completely.

They keep you update on all your insurance they also bring to better policy. Keep everything up to date, and have a good price. They offer any new insurance that is out. They check with you on a monthly basis. I have been with them for 5 year, they notify you about each age bracket that you before it up with way you could go on your life insurance. They call to make sure you're happy with your insurance.

It's really great. I enjoy a no b.s. relationship and statement from them. No hidden costs and one flat rate. It's difficult to find insurances that will just be upfront with you. I have no complaints and enjoy their services.

Affordable for people in my age range. I am 74. I have been using AARP since I was 50 and have had no problems. They are trustworthy. Love their discounts.

I just jumped in one, it takes a while for them to pay. Say I die before 2 years of start date they will only pay if it not suicide, and without 2 years passing they only will give back what I paid. Now every 5 years there is a 10 increase. I hate that.

I enjoy how informative AARP is via email and text messages. Their financial department is mistake free and payments are steady to match the policy. AARP is unique in that the senior citizens enjoy their complimentary rewards... such as discounts and cutbacks. I will continue to be a lifelong member also because their customer relation is geared towards quality service vs quantity.

They are great. It's something that me and my husband can afford but we are not looking forward to cashing in on the product. We have recommended this product to others our age so they can look out for their loved ones.

I was in the insurance in March of 2006. Got cancelled the next month, they had me paying on a canceled policy. They took out another policy claim that I sign which I didn't. They never sent me any information saying I or my son was canceled and etc.

WILL not pay death benefits on ex husband. I paid on this insurance for 18 years. DO NOT USE. CROOKS.

My husband filled out their form for $10,000. My husband went to the cardiologist and was taken off of all meds. except three that were a diminished dose from what he was taking. They used this appointment to refuse payment. He died 2 years of severe pneumonia that had nothing to do with his heart. They refunded the premiums we paid. Everyone should boycott AARP as paying up is not their agenda when someone dies. They put your money into a high interest account and when you have a million people paying into it every month and then they refuse to pay up on a death... $10,000 here $20,000 there... after you thought you would be covered and OK as that's why you were paying for the stupid insurance to begin with... for protection! Great rip off scheme... don't ya think?

My grandmother passed away 6/26/2015. She has been dealing with AARP-NY Life for 3 years. As of 5/15/2015 she has been in and out the hospital due to becoming very ill. Therefore she was not able to make payments. My mom called this company to try to get everything situated and they said my grandmother's insurance has lapsed. Being as though my mom is her beneficiary she offered to pay so it will be reinstated. No luck! Terrible service and terrible customer service. Total balance due was just $40. Now they want to search for medical records.

Call up to check on my parents' policy. On my surprise was told that my dad policy was close as of Oct 14. This happen 2 days ago. We are in June 2015. When I ask why they said because in Oct 14 they tried to take out $148.00 (which come out automatically from his pay) and it was insufficient fund so they close the policy (for one insufficient fund). No phone calls. My parents are retired. They home everyday. They say they send letters. We did not received any letters. My parents has being with AARP from 1995 and they just close my dad policy because of 1 insufficient fund.

Filled out form requesting 10000 dollar final expense policy. 4 weeks later get information to call underwriters. I called number, told no agents available. Smelled a rat. Went online, found AARP- New York life are scamming seniors. They both need to be shut down or be investigated.

I see why everyone is upset with AARP/NY life. They do not live up to what they’re suppose to do once your love ones passes on. I’ve been waiting six months to find out when or if my claim will be settle. They are a bunch scammers. That's why I am getting a lawyer because I hear they can continue to do this for months maybe years or just deny your claim. My family member did not lie on the application so I don't know what the fuss about pay out what you owe the family members. I’m glad we had a second policy to at least pay for the funeral. Good luck to others like me trying to get what our family leaves us. I will never, ever, ever, ever, ever sign up or recommend this company.

My husband died 01/16/15. I am still waiting for his life insurance payout. They continue to ask for more and more medical records. I send them what they request and call to see if they need anything else. They say, "no we have everything we need." Then two weeks later I get a letter in the mail saying they want more medical records. I again call and ask if there is ANYTHING else they need. They say "no" and I get another letter in the mail two weeks later! AARP should reconsider doing business with New York Life. I independently had a policy with New York Life (not through AARP) and I will be cancelling the policy because I do not want my children to go through the hell I am going through!

I have a term life ins. policy with AARP. I opened it in 2010. I open another policy in 2014 and I was turned down. I called and from being honest on the app, I was turned down. I was told that I could not open a policy 'cause of one of the health questions, so they wanted to give me a policy that was less than mine with more payment that I am paying now. I was very angry 'cause I felt like they were reading a script to me instead of answering my questions. I recommend that you do not get a policy through them 'cause they want more money for something you already have and want to improve for your love ones when you pass away. It is false advertisement to people who want insurance as I found out. Thanks for reading.

My aunt went to the funeral home and had pre-burial arrangement done. The funeral home called New York Life and told an agent that my aunt was signed her policy over to the funeral home. The insurance company sent a form and the assumption that it was okay. She passed away and the funeral contacted New York Life and was denied the money. The insurance company said the beneficial would have to sign the money over to the funeral home. My aunt did not fill a change of beneficial after she went to the funeral home and completed the paperwork. The person that she was worried about will not sign the money over because she said she did not sign any papers at the funeral home. MY AUNT WORKED AND PAY HER OWN PREMIUM AND HER BILL CANNOT BE PAID. THIS IS AN EMBARRASSMENT TO MY AUNT LIFE.

I opened a policy with AARP earlier this year and it has been nothing but headaches. Some reason they opened my policy under two different social security numbers. When I attempted to close out the wrong policy they told me it would be cancelled but only a fraction of the money could be returned to me instead of just cancelling out the policy and adding the money to my active policy.

We received from AARP/NYL an offer to "increase our Life Insurance coverage." They never mentioned that this was not an increase in the policy's face value but a sale of "Accidental Death insurance" which they don't even specify in their "Rider Certificate." We learned when we received a thank you letter for purchasing an "Accidental Death Insurance Policy."

Please! AARP should have a certain time to pay the beneficiary off. They shouldn't be able to keep people’s money after their loved ones have paid for it. Please have someone to investigate AARP. The web is filled with their scams, from poor families that loved one struggled to pay AARP so their family members wouldn't have to beg others for help. AARP New York life insurance are doing the same thing to people that the big banks were doing with mortgages and student loan. Please! Help my son receive what is owed to him so he can pay the funeral home. I have written several letters in the past. My son is a twenty-four year old black male from Englewood in Chicago with a learning disability. His father felt that the least he could do is leave him some money to help bury him and pay off any old or occurring debts ** had so he could finish school. He just wanted ** to be independent.

A year ago (around January 2014), I was offered term life insurance by AARP. I was told that it would be cheaper to buy or get the insurance at that time because I was 59 years old (rate is from 54-59). So, I accepted the offer and mailed the application. I started paying my monthly premium February 2014. Today, January 29, 2015, I received a letter from AARP informing me that my premium will increase effective Feb. 21, 2015.

Sent payment to AARP on 1/13/2014 but AARP claimed they never received it and cancelled my policy. AARP sent me a check for $42.00 but what about my monthly payments since 2011? Really?

They raised my premium last year. When I protested, they said it would be at least a year until the premium would be raised again. I called today, and they raised my premium $100 last month. I will also say it is close to impossible to get seen by a doctor under their plan.

My account it's an old one with them... but never D less... I was told that my last day for payment was on the 26th. And I have been trying since 8-9pm Orlando/Fl. time to make a payment not on the 26th but on the 25th, I tried to talk to someone... their animated system said... "You need to get in the web!!!" I did that... but to my surprise!!! I did not get any help... Then I contacted CLAIMS DEPT (for help)... supposed to be 24/7 as per their own advertising.

My father passed away on 8/2014 - A week after him being buried the family filed a claim to collect on his burial life policy. After numerous calls requesting status of our claim, their claims dept seem to never receive any paperwork faxed. After numerous tries of getting them the documents we started having the doctor's office and funeral fax them over... Still nothing, never received. It's now 1/23/2015 and no payout, same excuse. Final call went into today. If nothing happens, I'm hiring an attorney. Please please do not USE AARP for anything. Horrible people.

I applied for a $15,000 life insurance AARP Life Insurance through New York Life, and was denied because the underwriter called me and asked me questions concerning my health. She asked me if I had cancer and I said I had prostate cancer back in 07or 08. It's been a long time but it’s gone and has not shown his head anymore. If she needed proof I have and willing to prove it. The next thing I knew I get her letter from this underwriter, saying that I have been denied because I said to her that I had cancer. I did not say that.

Many phone calls with differing answers to our questions depending on who picked up the phone. It has been almost three months since my mother died and we received the benefit check today. All said and done, AARP/ New York Life lacks any communication pertaining to a claim. I was actually astonished to receive the death benefit today because the phone calls made to them, and correspondence from them made us out to be suspects.

1/5/15 I called the 18003198021 to make a premium payment on my life insurance policy (**). The first representative(?) became very rude and harassing. The second representative(?) hung up on me. Finally the 3 representative got me to a manager(?) who then sent me to 2 others where I finally made my payment. Where is this going????????

I called in to change how we paid our bill. I gave them our new account and they took out a payment out at that time, the next day they took a scheduled payment and it resulted in an overdraft of my account and I was charged a $35.00 fee. I did not authorize them to make a payment when I called in to set up a new account to make the payment from. They will not pay my overdraft, they said that it is not their fault.

My dad purchased a small policy to pay for his burial. They make up reasons and forms that they need over and over to keep from paying. I will be canceling my insurance and calling whomever I need to make them pay this policy. Shame on them for being like this at the worst time possible

I submitted a request for a $50,000 life insurance policy as my previous policy was attached to my employment and terminated when I retired. I mailed the application and the first payment as requested. I received a phone call almost a month after my check was cashed, telling me it was the last day to process my request. (FIRST PHONE CALL FROM THEM.) They subsequently denied my request based on "a history of breast cancer." I DO NOT have a history of breast cancer, but was diagnosed with breast cancer 1 week prior to the phone call and 3 weeks after they cashed my check. My physician assures me I will celebrate many more Christmases. I am extremely disappointed in AARP. SHAME ON YOU.

Aarp is suppose to be such a great value. What a joke and they're just a bunch of clowns or should I say puppets. They try high pressure tactics. Never is going to work on me. You're wasting your time and postage soliciting me. Oh by the way I tell a lot of friends and neighbors that they should never do business with you clowns. Or should I say thieves. My take. GET LOST MORONS.

In almost their commercials rather on tv, radio, or whatever, AARP Life Insurance claims NO ONE will be turned down. Well my wife applied for it and WAS turned down, so much for AARP helping senior citizens.

They have withheld payment to the beneficiaries saying there is a dispute, even after giving documentation proving the validity of the claim. It has been over 4 months and they are now telling me 3 more weeks of investigation!

My mother passed away within 2yr. of having AARP. They got all her medical records and everything was fine. They send us a check for the face value which was $20,000 and then stop payment on it. Can they do that?

As a man I am absolutely offended when the Wife in the commercial says to husband "honey we need to talk". To which he responds "I took out the trash". How stereotypical and how demeaning to a man to feel an immediate response is to go on the defensive to an outdated man chore.

I cannot get in touch with them. I don't know why they quit taking the premiums out, did so for a year then I looked and last 2 were missing though I had money to cover them. Afraid it is a scam.

My sister passed away April 2014. As of today September 23, 2014 I have yet to receive her benefits. All I receive is letters stating they are looking for medical records. My sister took this policy out in Oct 2012 so in the event of her death I could handle all her personal affairs and help her children. It’s a shame the way they are more than happy to accept your payments but when the unexpected happens they leave you hanging for months!!!

My mother passed away 12/19/13 and filed my claim in February 2014. It's end of July and still no answer. My mother was not a rich woman, by no means, and all she wanted was life insurance to cover her final needs, but this is a joke... I am very disappointed!!!!!!

Contacted customer service several times for a very simple request, each time they got it wrong. Caused me a lot of trouble! When I mentioned cancelling my policy, the rep laughed, mocking me! Needless to say, I've moved on!

LATELY!!! I noticed how many people has been scammed (without knowing how to recover their stolen goods) by AARP including me and is time to get them investigated of how they are screwing people. And for them to start paying back, they think they are like the IRS - impenetrable. I used to keeping them in a pedestal, but no idea what happened. I am thinking they lost lots of people/clientele (may be the Republican ones) and they want the remained ones to pay for their lifestyle. Now they are even using for senior citizen the non-mandatory Commissioner, Minority Report that said that if you get bad credit you have the necessity to fake/create claims??? TO SENIOR CITIZEN???

I am the beneficiary to my uncle's policy that New York Life Insurance is neglecting to pay because of a two year clause. Death has no set date. If that is the case we all will know about when we are going to leave here but we don't, only our maker knows. My problem arises when the mortician needs to be paid. I am a single mother who put her uncle away with hopes that the insurance would pay up but they haven't after seven weeks.

I keep getting all kinds of mail from AARP now that I'm over 50 (first they started sending it to my wife who is 16 years younger than me). I almost signed up for it until I learned about the "life insurance" they recommend. Or worse yet the "funeral expense" insurance. I'm actually an insurance agent by trade and immediately knew it was bad to put it mildly and asked for terms and conditions and without buying couldn't ever get anywhere... Not very above board in my opinion.

My husband and I applied for a $7,500 life insurance policy through AARP w/ NY Life. It is a no questions asked, no physical and guaranteed acceptance policy. I am 54 years old and my husband is 62. They processed and sent me my certificate of insurance but did not process my husband's. I called to ask about this and they told me that they are going to take at least another 30-45 days to process his! I am wondering why they are doing this because I submitted one application with the both of us on it. Seems to me that we should have been processed and approved at the same time.

I received a letter from AARP/life insurance program/New York. The company trying to locate myself or Family member. I explained don't know the family. New York life send me a application to complete, I did what they requested, that is to check nature causes, sand submitted my marriage license to prove My maiden name to married name. I called to go over entire application to Make sure it was correct and Customer Service Representative agreed it was, I asked for fax 1-813-288-5200 and send in May 29, 2014 to customer service to find out what day check was mailed to my residence.

My mom had a policy with AARP and she passed away within 2 years of taking out their policy. Now we are 6 months past her death and AARP wants the beneficiaries to "prove" she did not have an existing condition. No one should use them for any need.

I wished I had saw these reports last year before we got into AARP New York Life. Now I need to find Life insurance for me and my family. I have been out of 100s of dollars already trying to keep the payments up. Somehow they keep saying I am a month behind when but we need Life insurance so I tried to keep it going but now we had a crisis in finances and I did get behind. Now they sent a letter saying all of our policies have lapsed. We don't have the funds to catch it up now but since I see these reports, I will be searching for insurance in my hometown and pray they are Legitimate. Thank you all for your Reports. This really help others especially the Seniors.

My father had life insurance with AARP for a few years, then got extremely sick from his illnesses and on top of that pneumonia too. However my father always paid his monthly payments of $65.00 give or take a couple of dollars. At the end stage, right before he died, he missed his last three payments because of his illnesses and the pneumonia. On January 6 his doctor called and told me that my dad wouldn't make it through the night. So I hurried to the hospital and asked my dad if there was anything I could do before he went. Weakly he tried to tell me by writing bonus a piece of paper that he want sure if he paid his life insurance. Since I'm a single mother to 6 kids, my father felt that at least he could do is leave me some money to help bury him and pay off any old or occurring debts. Therefore, I went to his house and found his mail and sure enough he had a stack of unpaid bills. I went to Moneygram that same day and made a payment for $194.00 which equaled 3 months. Unfortunately, Moneygram takes 24 hours before the payment goes through.

I have had life insurance with AARP now for four years, I bought a 30,000 dollar policy for 55.00 dollars a month term insurance. I received a notice just recently that they are raising my rates to 75.00 dollars a month, after they told me my rates would never change. Plus I have to pay 16.00 dollars a year membership fee a year. I feel I have been deceived by AARP. I feel they take advantage of Seniors and go back on their word. I am cancelling my insurance and not buying another membership to AARP. I advise Seniors to do the same.

My husband bought into AARP Life Insurance for both of us 4 years ago. His payment was $179 and mine was $27=$206. That is $9,688 in on time monthly payments. As of Feb. 2014, AARP has raised his to $300 & mine to $40. What a greedy, power play. Perhaps if we worked as an AARP employee we could just slap another $1200 $3,600 of 2/14. AARP has notified us of an increase in our monthly rates to $340 so we dropped his policy with NO refund, no nothing except they have $10,000 of our hard earned money. Talk about dirty money, AARP is getting theirs the dirty way. Most people budget monthly expenses but our hands are tied and so is the money. I think AARP must have an additional meaning like Arrogant Association Ripping People off.

AARP is not who you think they are. They give you a policy then tell you every 5 years the rate will increase. I got the policy when I was 59 and as soon as I turned 60 they sent me a letter for a rate increase. Then they asked me if I want to change to a whole life policy for less coverage and more money. I wanted to cancel until they informed me that I cannot get my money back. I got this policy to protect me when I retire so that if anything happens to me my mortgage will be paid. Now I am reconsidering them. I need to cancel this policy. Don't use them. Try to get someone else. They are not honest.

In my middle 50's I researched auto insurance and home owners insurance and found that AARP was the most expensive out of about ten different agencies I checked. I constantly now in my 60's receive mail and offers from AARP and am not interested. I really wish they would stop sending me anymore offers.

Please be aware of the 2-year clause in your policy: "Except for nonpayment of PREMIUMS, WE cannot contest the validity of YOUR insurance or reinstated insurance after it has been in force for two years during YOUR lifetime from (1) the INSURANCE DATE, and (2) the date the insurance is reinstated, if applicable. To contest, WE will only rely upon written statements signed by YOU in applying for such insurance. A copy of all statements must be furnished to YOU or to YOUR beneficiary. Such statements are representations, not warranties."

I thought there would be a discount since I was aarp member but the home insurance and car insurance was the highest of all companies. I am so glad I read other reviews on their life insurance as I was getting it for my grandchildren. Thanks for posting those reviews.

My mother was fanatical about paying her insurance payments. She had a policy with AARP New York Life for years without missing a payment. Then she missed two payments when her health declined rapidly. She passed away in August 2013 and we are STILL having problems with them. We have sent paperwork from the hospital and her doctors but it still isn't enough. Right now it's like beating our heads against a brick wall with no end in sight. It bothers me that she was so diligent in paying her premiums when it is so blatantly obvious that to them, she was only important when she was able to make her payments.

Called AARP to pay balance owed on my homeowners insurance due on 11/21 for 114.95 and a missed payment due to confusion on their part and some delay on my own. But no more than 2 weeks after they double deducted monthly payments from both of my accounts then reinstated one of the deductions leaving me to pay by mail the monthly payment of that account since they couldn't correct it on computer. When I went to the website to pay my homeowners ins they changed the ability to make a late payment about a year ago and it becomes necessary to call in directly to make the payment and have the policy reinstated. I was denied reinstatement on my homeowners insurance due to failure to pay although I was attempting to correct what had been a confusing mess up initiated on their part.

My mom has had this insurance for several years now and only missed one payment, and that was almost two weeks before she passed away this year, but I've been told 4 times four different stories that "it's the fault of the funeral home" because they're still waiting for paperwork (but supposedly the funeral home said they'd already sent the paperwork several weeks ago). Why should it take so long and so many months to receive monies that are supposedly already there? I will NEVER, ever have anything to do with AARP ever again. PLEASE stay away from this corporation. This is crazy. P.S. If enough of us get together and complain loudly and fight this, maybe we could get some real changes here folks.

We had purchased insurance for my dad after he became an AARP member 5+ yrs ago. Ins was purchased from New York Life, who is now giving us the runaround and AARP refuses to assist or warn their customers about this issue with New York Life. New York life is a disgrace and AARP is just as culpable. Be aware of how these two operate.... Regards....

I lost my dad in January of 2013. My mom and him both had AARP life insurance. Of course, they had only had it for a few months when my dad got sick with lung cancer in October and passed away in January. "Because acceptance is guaranteed, death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary receives an amount equal to 125% of the premiums paid." It has been almost 7 months since my father has passed and this insurance company is a complete joke! They keep giving my mom the runaround on it. They told her a few weeks ago that they received all of my dad's medical records on July 15th. She talked to them today and another person told her that they just received my father's medical records on August 5th.

I would not rate them. Not even 1 star. The customer service and claims need to retire.

It is not a scam and they have different types of policies. Do I like AARP, absolutely not. Why? Well, in almost every situation that I have come across the individual who had AARP could qualify for a fully underwritten policy, which is much less expensive and allows the customer to participate in company dividends. Some AARP plans require a two-year waiting period before claims will be paid. Normally, premiums would be returned plus interest with this type of plan (usually a high risk client). They also sell term to age 80. Which increases in price every five years and ENDS at age 80. There is NO cash value in this policy and if the client lives to age 80 and 1 minute, there is no coverage. Finally, AARP sells a whole life product that issues on a table rating (making premiums much higher than a fully underwritten product). This product also does not participate in dividends so the face amount never increases nor will there ever be a great deal of cash value.

My aunt died suddenly after an operation in Lakeland, FL from complications from surgery. She has an AARP policy that the company is refusing to honor because she has had the policy less than 2 years. We all thought that this was a reputable company but have since learned that it is their practice to refuse to pay. My family was devastated by the loss of my aunt and to add insult to injury, AARP is refusing to pay the policy. They so graciously offered to give back some of the premiums that she paid. How can the state of Florida allow these people to operate here? I am cancelling my personal memberships and telling everyone I know about this rip off.

Back in 07/04/06, I signed what I believed was a good Life Insurance Policy. Unfortunately, that turned out to be an ongoing nightmare as I write this. Currently, I'm living on an $898 monthly SS benefits... Back in 2006, all I could afford was the $30,000 Life Insurance term coverage available only to age 80. (Agreeing to sign for this was a FATAL ERROR on my part due to lack of knowledge/understanding what all of this meant in the long run.) In any event, I diligently arranged monthly automatic payments through my bank and continued to do. At the time, premium was $52.33, then raised to $74.13 and was recently informed it would cost $111.48 monthly premium for the same (small amount of $30,000) which I simply cannot afford. I'm seeking help on what my options are. Also, there is much more to my plight. Please help me. Thank you for the acknowledgement.

I received a mail stating, "This is your last chance to pay for the AARP membership and benefits you ordered." I did not order any membership. When I called their 800 number, I was told that I was on the books because I once (almost a decade ago) was a member. I had my information removed and told the person that the practice of sending an invoice for a membership order that was not made was a fraudulent solicitation of money from people who did not order a membership. I am placing this complaint in case others experienced the same so that AARP can be kept from this practice, especially in light of class of people they supposedly serviced.

They delayed the request long enough to allow them to not accept application due to age. On 1/13/13, I applied for their insurance program for 6 grandkids. The oldest, 17 at the time, did have Wolff-Parkinson-White Syndrome (WPW) but was operated and completely cured as I noted on the application. Grandson turned 18 on 3/11/13 which would not qualify him for this program now, but at time of application, he was 17 and did qualify by age. AARP insurance denied grandson officially on 2/27/13 after our phone conversation stating: "We have considered your request for life insurance. We regret that we are unable to provide the coverage you requested. Our underwriting decision was based on a history of Wolff Parkinson White Syndrome. The source of our information was the medical information provided with your request for insurance and/or our telephone interview. We did not obtain information from any other source."

My mom had AARP Life insurance since 2002. She had always made her monthly payments for her $15,000 policy. Last year, my mom was diagnosed with Type 2 Diabetes which means now she is on daily medications. In October of last year, the cost of the meds got to be too much so she missed her payment as well as the next 4 payments. Once Medicare took effect for her, my mom was able to catch up on her payments. We contacted AARP and were given the amount of money that was owed so that she could catch up. We wrote out a check and mailed it the same day.

My mom just passed away. She did not have AARP, but only had $5000 life insurance which was not quite enough to bury her. Dad is in a nursing home and has AARP, $15,000 Permanent Life, which they have been paying on for years. He has Alzheimer's now. I received a letter stating that the cash value of this policy is $2,467.24! I just paid them $455 for three months for dad's insurance and then I got that letter. This is a huge rip off. I will not pay another month of that so-called insurance. Besides having less than $15,000 in life insurance, I am getting bills for my mom that Medicaid did not cover and bills for my dad that I cannot cover. They want him to sell his home to pay for his bills. It's sad. He's a veteran and will end up broke. I don't care about getting any money when my parents are gone, but it would be nice if their insurance covered their funerals and hospital bills. Do not buy Permanent Life. Save your money. You'll have more in the end.

I have not been an AARP member for over 5 years but I am still getting bombed with mail to buy products they sell a lot of which is insurance. I have written them several times and they promised to stop but to date have not. They have nothing to offer but sell you junk. As far as travel discounts, you can get travel discounts online without AARP. Again, the only thing they do is try, try and try to sell you everything but the moon and I think that is next. Don't waste your money. They offer all services to seniors over 50. Come on, seniors over 50?! How about seniors over 40 next? When I was 50, I sure did not consider myself a senior. Stay away from this outfit. They are the ones that gain sucking in your money. Be smarter than they are and say no.

In 2000, we took out an AARP term life insurance policy on my husband. The premium was automatically debited from our checking account every quarter. In April of 2012, I realized that the debit hadn't occurred. Then when I checked our bank statements, it noted that the January debit hadn't been made either. I called NY Life only to be told they had mailed us three letters and left three voicemail messages notifying us it would be cancelled. Twelve years, I never a missed payment and suddenly we missed their six attempts to contact us! Absolutely ludicrous. They knew exactly what they were doing and enjoyed 12 years of premiums with no obligation to pay. I contacted Insurance Commission but they were satisfied with NY Life's lame response. So we are out in the cold. Over the years, my husband has been diagnosed with critical illnesses and cannot obtain life insurance. I would never buy anything ever again through AARP or NY Life. They are scammers.

We have had a life insurance policy on my husband for $8,000. The monthly amount was $84. Since 2008, I paid it monthly. Then without notification, they increased the insurance premium due to his age of 75 to $63.87 more a month. That is not only stealing, by taking monies not asked for but increasing premium at such a high amount when we have been religiously paying monthly premiums to this company of $84.00, so they have received over $4,046.40 and now want to increase the premium at such a large increase.

My father died several years ago and had an AARP Life Insurance policy for many years prior to his death. In the last year of his life, he was diagnosed with cancer and quickly declined in health. My mother was no longer able to take care of him at home, so as a last resort, he went to stay in a retirement home with round-the-clock nursing staff to care for him. When he died and my mother contacted AARP regarding the insurance policy, they would not pay. The reason they stated was that a physician had to be on-site at the facility he was residing 24 hours a day. How many retirement or nursing homes have an on-site physician 24 hours a day? What if someone is at home and expires and there is no physician living with them, so would payment of the insurance policy be refused based on that?! Ridiculous bs- unfortunately my mother was very naive and didn't challenge it. Even more unfortunate, she failed to even mention it to me until years later.

In January 2010, my mom applied for $50,000 "guaranteed" life insurance. She received an additional "offer" for a $35,000 rider in April 2010, which she took. She was paying $156 a month due to the fact that she was a smoker who had quit but not for over a year. So she gladly paid the rates. She did this, because both her parents, 3 of her brothers, and 2 of her sons died in the previous 10 years and she didn't want her 2 surviving children to be left with any bill. She also wanted to leave small amounts for her grandchildren.

Life insurance charge - I got insurance from AAAP about 10 years ago. About 8 months ago, I was told to charge to a $20,000 insurance, that it was a good think and that the money paid into the old, about 1/2, would be put on the new one. Well as of July 4, I am still waiting. I have called and I was told one story and another, and still no answer. Please, any attorney out there email me at ** and I do want an attorney to answer me.

AARP Term Life Policy - I want to cancel my policy and get the $14,000.00 that was supposed to be paid to my benefactors, who told me to cash it as they do not need the money and I needed the money. I have had this policy since 1996, paying a premium of $97.31 monthly. I was told I cannot cash this in and get my money. They want me to go to a permanent life policy of which I was told would start at payout of $2,000.00. I have paid in more than $14,000.00 over the years. So as far as I am concerned, I am out all my money. This is a scam type of insurance.

My mother paid her insurance and when she passed away, AARP would not pay and that caused my family and I even more pain because we had to get the money together to bury her. It was the hardest time in my life. There is more to this story about how they treated me like they could care less about my mother. They were rude. It was sad. I don't believe it when they say there's a policy for any condition because when someone passes away, they say, "Oh your mother didn't have that policy."

My husband and I have had this insurance for five years and this is the second time the rates have gone up - this time, a whole $15.00. I suppose they will keep raising it until we can't afford it anymore and then we will cancel it. They know all about fixed incomes. If we cancel the insurance, we have nothing and will lose all the money we have put into it. They spend a ton of money on political issues. Why can't they afford to pay their claims and stop picking on seniors?

After many years of paying for life insurance with another company, and finding out that my premiums were going to increase dramatically, I took what remaining cash value I had and applied to New York Life as an AARP member. I was honest and supplied my medical information with the application. I was contacted for a phone interview and was honest. Let me say that like all 72-year-old males, I had some minor health issues. I have type II diabetes which is controlled with medication, not insulin.

I have been wary of AARP for a very long time. I was 37 years old in 1998 and learned a lot. Back then, AARP had been fined $135 million for non-payment of taxes ($5,600,00 to go to the postal people). These people (AARP) have been ripping off seniors for years and it is quite foul. I live in a mobile home park and know a lot of seniors that have fallen for the TV ads. It's sick.

I have a policy with New York Life (AARP). I have run into money problems. They take out the money from my checking. I can't afford it. I am not working. I want it stopped and I can't find out someone to talk to. I have account numbers, but they are from the checking accounts only. I need help.

My mother passed away 5 days before a 2-year waiting period for her life insurance policy. She and my dad took out a small policy each of $5000 to cover their funeral. They were told they were getting the guaranteed life that AARP and NY Life advertise in the mail, email and on TV. What NY Life gave them was a group life and because my mom signed the paper, they now will not pay her life insurance -- leaving my dad to pay the funeral cost that he cannot afford.

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.

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.

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.

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.

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.

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.

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.

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.

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!