Orlando Harmon
AARP, formerly known as the American Association of Retired Persons, is a non-profit, non-partisan organisation that offers a range of insurance options to its members, including healthcare, Medicare, pet, vehicle, life, property, dental, and vision insurance. AARP also offers exclusive benefits and savings to its members, such as discounts on dining, travel services, and real estate services. AARP membership is available to Americans aged 50 and older, although adults of any age can join.
| Characteristics | Values |
|---|---|
| Type of insurance offered | Healthcare, Medicare, pet insurance, vehicle, life, property insurance, dental insurance, vision insurance, and funeral insurance |
| Life insurance coverage | Up to $150,000 of coverage for members, with rates locked in for life |
| Life insurance requirements | No medical exam is required, but health and other information are necessary |
| Life insurance provider | New York Life |
| Auto insurance provider | The Hartford |
| Auto insurance savings | Up to $577 |
| Home insurance provider | The Hartford |
| Home insurance savings | $236 |
| Availability | All 50 states, Puerto Rico, U.S. Virgin Islands, and the District of Columbia |
| Membership cost | $15 for the first year with automatic renewal |
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What You'll Learn
AARP offers insurance for cars, homes, and vehicles
AARP offers a range of insurance products to its members, including car, home, and vehicle insurance.
AARP's auto insurance program, provided by The Hartford, offers exclusive savings of up to 10% off the premium for members, as well as additional discounts for requesting a quote online or bundling auto and home policies. The program also includes benefits such as Accident Forgiveness and Disappearing Deductible. Members can also save on their membership to Allstate's Roadside Protection program, which offers roadside assistance for as low as $5.50/month.
In addition to standard car insurance, AARP also offers specialized insurance for motorcycles, recreational vehicles (RVs), collectible vehicles, boats, and personal watercraft. These policies provide customized coverage for classic and collectible cars, RVs, motorhomes, trailers, and even golf carts and snowmobiles.
AARP also provides homeowner's insurance and renter's insurance, ensuring that members can protect their homes and belongings. The organization also offers life insurance through New York Life, with term and permanent coverage options available. This life insurance program is endorsed by AARP and developed exclusively for its members, offering valuable coverage of up to $150,000 with no physical exam required.
Overall, AARP's insurance benefits aim to provide peace of mind and protection for its members, helping them safeguard their well-being, homes, and valuables.
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AARP life insurance is available for members and non-members
AARP life insurance is provided by New York Life Insurance Company and offers both term and permanent life insurance products. There is no medical exam required for either option; acceptance is based on your health and other information.
AARP Term Life Insurance offers coverage of up to $150,000 that ends at age 80. The rates are lower initially but increase over time.
AARP Permanent Life Insurance provides up to $100,000 in whole life protection that lasts your entire life. Your rates never increase for any reason, and you can choose up to $100,000 in group protection.
Additionally, AARP Guaranteed Acceptance Life Insurance offers up to $30,000 in protection with limited benefits for the first two years. This plan has guaranteed rates that never increase and does not require a medical exam or health questions.
AARP members can access these life insurance benefits, along with other insurance offers, including healthcare, Medicare, pet insurance, vehicle insurance, and property insurance. Members also enjoy exclusive benefits, such as discounts, a free second membership, and a subscription to AARP's magazine.
Non-members can also access AARP life insurance plans, although membership is required for eligibility for certain specific products and features.
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AARP insurance includes dental, vision, and healthcare plans
AARP offers branded insurance benefits to safeguard your well-being, your home, and everything that matters to you. AARP insurance includes dental, vision, and healthcare plans, as well as life insurance, home, auto, and Medicare plans.
AARP's dental insurance plan is insured by Delta Dental Insurance Company in 32 states, by Dentegra Insurance Company in 34 states and Washington, D.C., and by Dentegra Insurance Company of New England in Massachusetts. The Delta Dental Insurance Company pays royalty fees to AARP for the use of its intellectual property. AARP members can choose between a preferred provider organization (PPO) insurance plan and a dental health maintenance organization (HMO) plan. All dental plans cover preventive, basic, and major services, including dentures, and some plans cover other services like teeth whitening, implants, and orthodontics.
AARP also offers a vision insurance plan through VSP, which covers the cost of eyeglasses and eye exams. Additionally, AARP provides life insurance options through New York Life, with both term and permanent group coverage options available. There is also a Medicare plan available.
AARP members can access a range of insurance offers, including healthcare, Medicare, pet insurance, vehicle insurance, life insurance, and property insurance. These plans are designed to provide peace of mind and protection for members and their families.
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AARP insurance provides Medicare plans and funeral cost coverage
AARP insurance provides a range of insurance options, including Medicare plans and funeral cost coverage.
AARP Medicare Plans are insured by UnitedHealthcare and offer a range of options, from plans that help cover out-of-pocket costs to comprehensive plans with additional benefits. These plans are available to both members and non-members, although you must be an AARP member to enroll in an AARP Medicare Supplement Insurance plan.
AARP also offers life insurance options that can help cover funeral and burial costs. These include term life, whole life, and guaranteed acceptance whole life policies. The term life insurance option allows members to apply for up to $150,000 of coverage, with up to $50,000 in life-long coverage. The whole life insurance option offers a fixed price for the entire life of the policy, while the guaranteed acceptance whole life insurance policy has a two-year waiting period before coverage for natural causes of death begins.
It is important to note that AARP funeral insurance can be more expensive than other providers, and some report that it can be difficult to obtain due to health history and pre-existing conditions.
In addition to Medicare and funeral cost coverage, AARP also offers a range of other insurance options, including healthcare, dental, pet, vehicle, property, and home insurance. These options are designed to provide peace of mind and protection for AARP members and their families.
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AARP insurance offers fraud protection and travel insurance
AARP offers a range of insurance options to its members, including healthcare, Medicare, pet, vehicle, life, and property insurance. Members can also access auto insurance benefits, including savings on premiums and discounts on roadside protection programs.
In addition to these standard insurance offerings, AARP also provides fraud protection and travel insurance.
AARP is committed to protecting its members' digital identities and offers various resources to help prevent scams, fraud, and identity theft. This includes providing information on common scams, such as dating scams and tax fraud, as well as tips and tools to safeguard personal information.
Travel insurance is another important aspect of AARP's offerings. While it is not included in the standard membership, AARP provides its members with resources and guides to help them understand the complexities of travel insurance and make informed decisions. This includes advice on determining the need for travel insurance, assessing the required level of coverage, and navigating the various riders, waivers, exceptions, and limitations that come with different policies.
AARP's travel insurance guides emphasize the importance of coverage for unforeseen circumstances, such as trip cancellations due to health emergencies, lost or delayed baggage, and unexpected medical emergencies during travel. The organization also suggests considering specific types of coverage, such as flight insurance and travel health coverage, especially when travelling internationally, as traditional Medicare typically does not cover health problems outside the US.
By offering fraud protection resources and travel insurance guidance, AARP demonstrates its commitment to providing comprehensive benefits that ensure the safety and security of its members, both at home and during their travels.
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Frequently asked questions
AARP offers branded insurance benefits to its members, including auto, home, life, health, dental, and Medicare plans.
AARP members can access auto insurance from The Hartford, which includes insurance for motorcycles, RVs, and collectible vehicles. Members can save up to $577 on their premium.
AARP members can access home insurance from The Hartford. On average, members save $236 on home insurance.
AARP offers term and permanent life insurance products with no medical exam required. Members can apply for up to $150,000 in coverage.
