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AARP insurance review 2022

Updated Nov 15, 2022
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AARP members may find convenient insurance products through the organization’s partnerships with The Hartford and New York Life. However, AARP only partners with these two companies, so those looking to compare rates from a variety of insurance providers may want to look elsewhere for coverage.

Pros

  • Highly-rated auto and home claims service from The Hartford
  • Numerous home endorsements available

Cons

  • Only partners with The Hartford and New York Life
  • Coverage is restricted to AARP members
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The American Association of Retired Persons, known commonly as AARP, provides a number of services for people over the age of 50. One of the perks of being an AARP member is that you have access to AARP’s programs for auto and home insurance through The Hartford and life insurance through New York Life. Coverage is available in all 50 states and Washington, D.C., but specific options could vary by location. Bankrate conducted an AARP insurance review to help you decide if the company’s partnerships are the right choice for your coverage.

AARP auto insurance

To provide car insurance options to its members, AARP partners with The Hartford. If you’re an AARP member, you may want to consider coverage through the organization to gain access to The Hartford’s special program. However, AARP only partners with The Hartford for auto insurance. If you’re shopping for the best car insurance, one of the most impactful strategies is to get quotes from multiple carriers. You may want to gather additional quotes on your own so you can compare the car insurance rates you receive from multiple carriers.

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AARP car insurance has all the standard coverage types that most car insurance companies offer, but there are some special perks too. Depending on your state, you may have access to The Hartford’s RecoverCare program, which can help pay for services you can’t do yourself if you are injured from an accident. The Hartford also has a fairly large array of discounts to help you lower your car insurance bill.

AARP car services

In addition to standard auto insurance, AARP also offers coverage through The Hartford for various other vehicles:

  • Classic cars
  • RVs
  • ATVs
  • Business vehicles
  • Golf carts
  • Boats
  • Snowmobiles

The Hartford also boasts a 24/7 claims hotline and offers a lifetime guarantee on repairs done by its preferred body shops. It’s not surprising, then, that The Hartford received the highest official ranking in the 2021 J.D. Power U.S. Auto Claims Satisfaction Study.

AARP home insurance

AARP may be a good home insurance company for members who are looking for numerous ways to personalize their coverage. Just like with its car insurance, AARP home insurance is sold by The Hartford, and there are numerous optional coverage types offered. You may choose to add green rebuilding coverage, lock replacement coverage or scheduled personal property coverage, for example.

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The cost of home insurance with AARP will depend on the specific coverage options and levels you choose. Because AARP only partners with The Hartford, though, you won’t be able to get quotes from multiple providers. To find the best price for the coverage you need, you might consider getting additional quotes from other home insurance companies.

AARP home services

AARP also offers these types of insurance through The Hartford:

  • Renters
  • Condo
  • Umbrella
  • Flood (underwritten by the National Flood Insurance Program)

Just like with its auto insurance, The Hartford’s home insurance comes with highly-rated claims service. The company tied for the top spot in the 2022 J.D. Power U.S. Property Claims Satisfaction Study.

AARP life insurance

Unlike auto and home insurance, AARP life insurance is offered by New York Life. AARP members looking for a life insurance company may want to consider AARP life insurance. AARP life insurance through New York Life is available in all 50 states, but some products may not be available in all areas.

 
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Both term life and permanent life insurance options are available and no medical exam is required. AARP even offers a guaranteed acceptance option for those who deal with chronic or severe health issues. The age qualifications for these policy types are:

  • Term: To qualify for term coverage, you must be an AARP member between 50 and 74 years old (or the spouse of a member and between the ages of 45 and 74). In most states you can get a quote for up to a $150,000 death benefit amount online or you can call New York Life for higher levels.
  • Permanent: You must be an AARP member between the ages of 50 and 80 (or between the ages of 45-80 and the spouse/partner of a member). You can quote up to $50,000 in coverage online, and if you need more coverage you can call New York Life to discuss with an agent.
  • Guaranteed: This option is only available to AARP members between 50 and 80 years old (and their spouses between 45 and 80). Coverage is limited to $25,000, although higher amounts may be available if you talk to New York Life directly.

Keep in mind that other qualifications may apply as well, depending on the policy type you choose, including your answers to the health screening questions.

AARP life insurance endorsements

AARP doesn’t list many life insurance endorsements on its website. There is one option listed, the “Term Rider Protect Plus,” which is a way to add additional coverage to a policy if your needs have changed. Other riders may be available by talking with New York Life directly.

Other AARP perks worth considering

AARP is known for its perks, of which insurance is just one. Some other benefits of being an AARP member include:

  • Discounts: AARP members get access to exclusive member discounts on travel planning, hotels, car rentals, flights, cruises, health and wellness programs, and more.
  • Wellness tools: AARP caters to members age 50 and older, and that population comes with distinct health considerations. AARP provides tools designed to help retired persons live their happiest and healthiest lives.
  • Health programs: With an AARP membership, you may have access to dental and vision insurance, as well as hearing loss support.
  • Job postings: You don’t have to be retired to join AARP. In fact, the community has a thriving job board that might help you find your next career move.
  • Free online games: Although not the most weighty benefit, AARP offers a selection of free online games. Boredom may occur during retirement years, and these games could help combat that.

AARP corporate sustainability

AARP’s mission is to empower people to enjoy life as they age. The organization leans into social responsibility in a number of ways, including the AARP Foundation. The foundation helps raise awareness of senior poverty and provide solutions for seniors to better their financial situations.

AARP also advocates for social change in ways that benefit seniors. This has included lending its voice and gravitas to Social Security updates, health care and medical costs conversations, and housing considerations. AARP also provides resources to foster education around the issue of senior hunger and solutions for seniors who are struggling with food or nutrition insecurity.

Not sure if AARP is right for you? Consider these alternatives

If you’re looking for a home, life or car insurance company and you aren’t sure if AARP’s partnerships are right for you, you might want to consider these other providers:

  • State Farm: If you’re looking for an insurance provider with a proven track record of service, State Farm could be a great choice. The company also has a wide network of local agents, which could be appealing if you don’t prefer to handle your insurance digitally.
  • Geico: Known for offering low average rates, Geico could be a good option for seniors on a budget. Keep in mind, though, that Geico’s home insurance is underwritten by various third party companies depending on where you live.
  • Auto-Owners: Sold by independent agents in 26 states, Auto-Owners could be a good choice for seniors looking for personalized coverage. Its home insurance product in particular offers numerous endorsements and discounts to help you build a policy that works best for you.

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