AARP Burial Insurance: Read This Before You Buy!

 AARP Burial Insurance: Read This Before You Buy!

Chances are you’ve gotten something in the mail from AARP (it seems like every day they send something in the mail), seen one of their online ads or TV commercials promoting life insurance to cover burial costs.

Now you’re wondering if AARP is right for you… right?

So here’s what we’re going to cover:

  • Do you want to know how their policies work? … Perfect, let’s cover that topic!
  • Would you like to see all your rates for all your plans? … Well, we have them all!
  • Do you want to know when their plans are good and when they are bad? …We have this too!

Here is the conclusion

Every burial insurance company is unique. AARP may be right for you, but then again, they may not be. This review will help you find out 100%

AARP Final Expense Options (3 policies)

In total, AARP offers 3 different life policies.

  • Term life insurance up to $100,000 in coverage
  • Simplified Whole Life Underwriting up to $50,000 in coverage
  • Guaranteed whole life approval up to $25,000 in coverage.

Every strategy pays a tax-exempt money benefit straightforwardly to your recipient to cover last costs.


In all honesty, American Association of Retired Persons (AARP) isn’t an insurance agency. Many individuals feel that AARP entombment protection for seniors is really given by AARP, however it isn’t. Disaster protection bought through AARP is really given by New York Life.

At last, AARP is only a promoting organization. AARP essentially offers the freedoms to his picture to different insurance agency. Whichever insurance agency offers the most cash that is the one AARP will back. At present, New York Life has the options to endorse its life coverage contracts, Hartford handles accident protection, and United Health Care gives medical services.

The second another insurance agency offers more cash than one of those organizations; make it a point to that AARP will back another organization. Eventually, every AARP internment insurance contract is interesting, so they all work in an unexpected way. Beneath, you’ll advance precisely how everyone functions, and see precisely the amount they cost.

Many other wise shoppers have already learned the truth about AARP’s life insurance program, which probably explains why the consumer affairs website is full of complaints.

Policy #1: Term Life Insurance | Policy details, prices, pros and cons

  • Coverage Options: $10,000 – $100,000
  • Availability by age: 50-74 (spouses 45-74 can apply too)
  • State Availability: All 50 States
  • AARP requires monthly membership dues

This policy is undoubtedly your flagship life insurance product.

You are being sold the term disaster protection strategy each time you see their promotions on the web or in one of their TV plugs, or one of their standard mail pieces that they send you consistently.

So how this policy work and what does is good and bad about it?


First of all, this particular policy expires in full once you turn 80 years old.

Crazy, right?

After all it is a term life insurance policy. The word end means that one day it will end. So your coverage ends at 80 and you are no longer protected.

No money is returned to you and you do not have the option of purchasing a new term life insurance policy.

At age 80, your only option would be to get a whole life policy with them or another company. While it is possible to get life insurance after 80, it will be significantly more expensive due to your age.

Remember, any offer you receive from AARP is an attempt to sell you this term life policy.


The premiums for this life insurance offered by AARP will increase every five years.


It’s actually quite funny that they title their term life insurance “leveled”. 99% of insurance companies use the word “tier” to denote a term life policy that has fixed premiums for the life of the policy.

However, AARP uses the word as a trick base.

When they say level term, they are referring to the fact that the death benefit itself will always remain the same. While that’s cool and all; just not unique

98% of term life insurance policies have a death benefit level. You would have to search far and wide to find one that has a diminishing benefit over time.

It is our opinion that they do it on purpose. They want you to think that premiums are fixed until the policy ends at 80. As you now know, they don’t.


Related post