Compare AARP Group Health Insurance
True to its mission of enhancing the quality of life, AARP has curved a niche among people of over 50 ages for offering insurance products that are in high demand among its members. In fact, AARP earns more income from selling its insurance products to its members than what it earns from membership fees. There are over 39 million members of AARP across the world, making the nonprofit and nonpartisan caregiver organization a leader in the United States.
AARP Life Insurance
AARP does not work as an insurer and no insurance claims are paid by it. Instead, the insurance companies use the name AARP while selling insurance products and in the process AARP receives a commission like an insurance agent.
Members of AARP get the benefit of many life insurance products as their social security when considering their retirement plans that include term life and other investment benefits. Members do not have to undergo any medical exam to qualify for AARP insurance but instead, have to answer three health related questions that differ by state. Members can rest assured of non-cancellation of an AARP life insurance policy, if the premiums are paid on time. The retirement calculator is there for easy calculation of the premiums that need to be paid. New York Life Company administers AARP life insurance policies.
AARP Life Insurance Policies
The different types of life insurance policies that AARP has on offer include:
- Permanent Life - it is meant to provide coverage over a long period of time.
- Term Life - in this type, one gets coverage for a specific period of time.
- Guaranteed Acceptance Life - it is a group insurance coverage that stops you from denial
AARP has selected New York Life Company to underwrite its Life Insurance Program. The rates and quality features that New York Life provides for different plans to the AARP members make the company an ideal choice. The synthesis of core values of integrity, humanity and financial strength with the requirements of people of over 50 years of age have resulted in New York Life programs that offer value, service, convenience and financial security.
AARP Life Insurance Ratings
All the leading independent rating services like A.M. Best, Standard and poor's, Moody's Investors Service and Fitch Ratings have given the highest ratings for financial strength to the New York Life/AARP website.
AARP Health Insurance
AARP also offers health insurance for people of all ages. The following is a list that tells about the different health insurance products available for different age groups.
50 - 64 age group
There is health coverage for those who are in the age bracket of 50-64 years. That means these health coverage could be used before one is eligible for Medicare and Medicaid. And their dependents too are eligible for coverage. These plans are right for the baby boomer generation.
The two popular health insurance plans available in this age group are:
- AARP Essential Premier Health Insurance - Insured by Aetna Life Insurance Company
- AARP Hospitality Indemnity Insurance Plan - Insured by United Healthcare Insurance Company
65 plus age
For those who are in the 65 plus age could avail the following three health insurance plans:
- Medicare Supplement Plans
- Medicare Advantage Plans
- Medicare Prescription Drug Plans
For all ages
AARP has a good number of health insurance products and discounts for people of all ages. The following is a list of these plans:
- Long Term Care Insurance
- Vision Discounts
- Fitness Discounts
- Dental Insurance
- Prescription Discounts
- Health Essentials Catalog
- ADT Companion Service
- Medical Supply Services
- Hearing Care Program
AARP Auto Insurance
Every person should be prepared for any kind of emergencies, that includes for car accidents and roadside emergencies. When it comes to roadside driver safety assistance policies and travel deals, the AARP Auto Insurance program is the likely choice for all. This is because, most people are pleased with the AARP Auto Program from The Hartford and they sign up year after year to save their precious money on escalating expenses and other auto repair expenses.
The many benefits that AARP members get when they buy auto insurance protection from The Hartford include:
- Lifetime Renewability
- New Car Replacement
- 12-month Rate Protection
- 24/7 Claim Hotline
- Flexible Payment Option
- Plan Flexibility
- First Accident Forgiveness
- Disappearing Collision Deductible
- $100 Deductible Waiver
- Waiver of Deductible
AARP Homeowners Insurance
Members of AARP can expect some of the best features from the plan options from the AARP Homeowners Insurance Program from The Hartford. These are:
- 100% Protection Plan
- Lifetime Renewability
- "New For Old"
- ProtectorPLUS Homeowners Deductible Forgiveness
- 24/7 Claim Service
- Options to Customize Protection
- Extension of Coverage Packages
- Scheduled Personal Property
AARP Travel Deals
The AARP travel discount is one more reason that pulls people to the organization. Members get travel discounts at 33 different hotel chains having thousands of properties both in the U.S. and overseas with which AARP has travel deals.
Information about different travel discounts along with information on different insurance plans may be found on the AARP website aarp.org. Visitors to the website also get the chance to stay in touch with other online community members or read up on the latest election news or politics. To unwind, one can play new free online games like Sudoku, Solitaire, Skeeball, Word games, Backgammon and many more.
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