The Senior Rate Registry Verdict
3.0/5.0
AARP offers Term Life which expires at age 80. Prices increase every 5 years. It is not permanent coverage like Whole Life.
The "Unit Pricing" Trap
Unlike state-regulated plans that lock in your coverage, AARP often uses unit pricing. This means your coverage amount decreases as you age.
Comparison Table
| Feature | AARP | State Regulated Plans |
|---|---|---|
| Waiting Period | 0 Years | None (Day 1 Coverage) |
| Coverage Amount | Decreases with age | Locked for Life |
| Medical Exam | None | None |