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AARP offers group life insurance for seniors to keep premiums affordable and make it easier to get approved.

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The coverage is limited, and there’s a downside.

It ends at age 80. With life expectancies increasing, millions live past 80 and want to know what they will do without life insurance.

We’ve got the answers for you here about AARP life insurance for seniors over 80.

How Does AARP Life Insurance Work?

AARP offers Level Benefit Term Life Insurance to applicants ages 50 and over. The coverage lasts from age 50 (or when you apply) to age 80.

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But there’s a catch.

It’s level benefit term life insurance, not term life insurance – there’s a difference.

Level benefit term life insurance means the death benefit remains the same, but the premiums increase approximately every 5 years, making it costly.

But there’s good news.

AARP Level Benefit Term Life Insurance doesn’t require a medical exam. This is great for anyone with pre-existing conditions that wouldn’t qualify for standard life insurance.

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What Happens After 80 Years Old?

There’s one way to protect yourself from losing your AARP life insurance after 80.

You can convert your policy to permanent life insurance, aka whole life insurance. This policy doesn’t expire, and the death benefit never changes for as long as you live. You don’t have to take any medical tests or qualify in any way for the conversion either.

woman in confusion, thinking

If you don’t convert your policy to a permanent life insurance (which you can do before 80 or by 80), your policy will end, and you won’t have AARP life insurance.

Alternatives for AARP After 80

There’s another AARP life insurance for seniors over 80, but it’s a costlier option.

It’s guaranteed acceptance life insurance.

This insurance, as the name suggests, accepts everyone. You don’t have to pass a medical exam or even answer medical questions. Everyone gets approved that’s a member of AARP.

Like any insurance, though, there is a catch.

The coverage is limited to $25,000, but that’s not all.

There’s also a waiting period of 2 years. If you die between the application date and your policy’s 2-year anniversary, your loved ones won’t receive the death benefit. They’ll receive a return of the premiums you paid to that point, but that’s it – they won’t receive the up to $25,000 death benefit.

Final Thoughts

AARP life insurance can be a great way to supplement your life insurance or even give you life insurance if you don’t have any but don’t feel prepared for your end-of-life expenses.

If you’re nearing 80, though, you’ll need AARP life insurance for seniors over 80, which isn’t as attractive as a term life insurance policy.

Suppose you have pre-existing conditions and know you won’t pass a medical exam for traditional life insurance. In that case, AARP insurance can be a good option, but be aware of what you must do before you turn 80 to keep your coverage.


Meet Aaron H., a senior life insurance agent from California with 15+ years of experience. With a major in finance, excellent analytical and communication skills, and a passion for helping clients find personalized solutions, Aaron is a trusted advisor in the industry. He stays up-to-date on the latest trends and developments by attending webinars and workshops, reading industry blogs, and writing informative blog posts on this website. Aaron also has a keen understanding of SEO and online marketing, which he uses to help his clients reach a wider audience and get the coverage they need. He cherishes spending quality time with his wife, two children, and elder parents.