AARP Long Term Care Insurance

AARP Long Term Care insurance offers flexible policy options and lenient underwriting for those with pre-existing conditions. However, their rates are among the highest on the market.

This popular organization provides many benefits to its members; however, purchasing long term care insurance from AARP is probably not your best option. Below we take a closer look at AARP LTC insurance to help you make an informed decision.

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AARP Long Term Care Insurance Overview

  • Two Types of Long Term Care Insurance Policies. 
  • NewYork Life underwrites all AARP policies
  • AM Best Rating: A++ 
  • Moody’s Rating: Aaa
  • Standard & Poor’s Rating: AAA
  • A well-established provider with national brand recognition



  • Multiple options for Long Term Care protection. Traditional LTC & Hybrid Life Insurance Policies.
  • Liberal underwriting for pre-existing conditions.
  • Customize your plan with flexible policy options.


  • One of the most expensive options on the market. 

– Plans can be nearly double of top competitors.

  • Underwritten by third-party NYL 


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New York Life Underwrites AARP LTC Insurance Policies

It’s important to know that AARP does not sell it’s own LTC insurance. Instead, they have an exclusive partnership with New York Life Insurance Company, which issues and underwrites all their policies.  

New York Life is a well-established financial institution that enjoys broad name recognition throughout the country. They offer two types of policies, traditional long term care insurance, and hybrid life insurance policies with a long term care rider. 

Let’s take a look.

AARP Long Term Care Insurance Options

1. NYL Secure Care: This traditional LTC insurance product covers various care services that can take place in the home or care facility. Secure Care allows you to choose the length of your benefits, either 2,3,5 or 7 years. Keep in mind, the longer the policy, the higher the cost.  

If you enroll in this policy, you will also have the option of choosing an elimination period of 90, 180, or 365 days. The longer your elimination period, the lower your premium rates. Many carriers do not let you choose your elimination period. 

AARP Secure Care also allows you to choose the percentage at which your policy covers care services. Choose between 50%, 80%, or 100%.

2. Asset Flex Hybrid Policy: The second option for coverage through AARP is a Hybrid Life Insurance policy with an attached long term care rider. Hybrid life insurance policies continue to grow in popularity due to policy flexibility and lower premium rates. 

This policy provides long term care coverage for up to 6 years. However, most policyholders choose 24 or 36 months to keep premiums manageable. 

The biggest benefit of hybrid life insurance policies is that any unused funds get distributed to your beneficiaries when you die. These funds can help pay for end of life expenses or be a gift to your loved ones as part of your legacy.  

Traditional LTC does not work that way. If your funds go unused, then they expire along with the policy.  


New York Life Financial Stability

If you’re looking for a highly rated carrier, New York Life has excellent financial ratings among all the major rating institutions.  

  • AM Best Rating: A++ 
  • Moody’s Rating: Aaa
  • Standard & Poor’s Rating: AAA

High ratings indicate financial stability, strength, and sound investment practices.

Consumers who purchase their LTC policy from a highly rated provider will enjoy added peace of mind about the security of their investment. 

Should You Buy Long Term Care Insurance From AARP?

In our opinion, probably not.

Currently, New York Life has one of the most expensive products on the market. Many other highly-rated providers offer more robust policies and lower rates. And our agency can help you find those policies. 

AARP is a great organization and provides many valuable benefits to its members. We love them as an organization; however, we strongly suggest you explore other long term care insurance companies before making a policy purchase.   

Finding Your Best Policy

If you’re going to find your best policy, it’s best to work with an independent insurance agency. Independent agents work for YOU, not the insurance companies.

We help you navigate the complex world of long term care insurance so you can find your best policy and lowest premium rate. 

Our advice and support are free. And there’s no obligation when speaking with an agent. 

Explore your options today. Get started with a personalized illustration

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