AARP Insurance Discounts for Seniors

AARP does not sell insurance coverage, but eligible seniors can qualify for AARP insurance discounts on their policies. AARP insurance discounts for seniors apply to home, life, auto, and health insurance policies. You must be aged 50 years or older to qualify for AARP insurance discounts.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Sep 8, 2021

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There are quite a few advantages for seniors who belong to the American Association of Retired Persons, or AARP. Among those advantages are things such as guaranteed acceptance life and health insurance, discounts on many different lines of coverage, and the availability of group insurance through membership in AARP.

Does AARP sell insurance?

One must be at least 50 to take advantage of AARP benefits, and according to Harvard, over a third of this country fit that criteria . AARP is not a licensed insurance agency and they do not explicitly sell insurance products. Instead, they have researched and then partnered with leading companies to provide AARP members with exclusive discounts to most insurance coverages that they may need.

Rather than selling them, AARP makes special group policies available to members by attracting insurance companies with the power of vast group memberships.

They have a vast list of affiliates and that means that you have a lot of insurance options. Not only can you receive peace of mind from your insurance provider, but you can also save a couple of dollars thanks to the services offered by AARP.

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Can AARP help you save on health insurance?

AARP members have access to both health and long-term care coverage at low group rates. Because this is a group program, you are guaranteed acceptance into the program regardless of current or previously existing conditions you may have. Long-term care is not the same as health insurance but could provide for you and your family if you become ill for an extended period of time.

It is also known as living care coverage and it can be very useful when it comes to helping with additional living expenses, assisted living care, temporary living expenses, and more. This is just one of the many exclusive member benefits that can help you save money.

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Does AARP help with life insurance?

AARP provides online financial planning tools to help members identify the types and amounts of coverage they require. This is a critical first step when it comes to comparing coverage options. In addition to purchasing personal life insurance ranging from final expense coverage to a full-featured whole life policy, you also have the option of purchasing policies for descendant children under the Young Start life insurance plan.

Can AARP help with homeowners insurance policies?

Homeowners insurance purchased as an AARP member will get you some of the lowest homeowners insurance rates available. For even more savings, couple your homeowners policy with an auto insurance policy to get the benefits of multiple lines discounts in addition to the discounts for being an AARP member. They can also help you through their Mobile Home Insurance program if you currently live in a mobile home. Personal property coverage is important to help keep your valuable items like jewelry, furniture, electronics, and other expensive items safe.

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Does AARP help reduce the costs of auto policies?

Car insurance is important for everyone, and AARP can save members a lot of money over the course of an annual policy contract. Another benefit of purchasing your insurance through AARP is that you can rest assured you are dealing with insurers that have already passed the tests of dependability and trustworthy customer service.

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