Since its founding, AARP senior insurance guide has advocated for issues that affect senior citizens. Today, the organization offers a wide variety of discounts and travel offers, and it partners with insurers that offer life insurance options tailored to the needs of seniors. These policy structures can be particularly accommodating when it comes to meeting certain health care requirements, such as lower deductibles and copays.

AARP’s term life insurance is available to members who are age 50 or older and their spouses. Term life insurance is an affordable option for people who want to cover their final expenses and any debts they have, such as mortgages or auto loans. However, if you are looking for a policy with a larger coverage amount or that lasts longer than 30 years, there are other insurers that may offer more competitive rates.

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For individuals interested in whole life insurance, AARP also offers guaranteed acceptance policies through New York Life. These policies are available to AARP members ages 50 to 80 and their spouses, and they don’t require medical exams or health questions for approval. However, these policies are typically more expensive than other providers’ individual plans, and they also limit your ability to change your premiums or coverage amounts in the future.

AARP members can also take advantage of other insurance-related programs, including a retirement planning guide and a job board. But it’s important to shop around and compare quotes from multiple providers to ensure you’re getting the best rate on your next home, car or life insurance policy.