AARP Insurance Review
Catering to the over 50 crowd, a.k.a. “Baby Boomers,”
this non-profit organization offers membership to anyone over
the age of 50 for only $12.50 per year. It has over 36 million
members and does significant lobbying for the older generation
in order to improve the quality of life for those heading toward
or into retirement. There are 3,500 local chapters and they also
publish two magazines, the AARP Bulletin and AARP The Magazine.
Types of Insurance Offered:
AARP does not offer insurance directly, but they work with
various insurance providers to give discounts on the following
types of insurance:
Offered through The Hartford Insurance Company, it includes 12
month rate protection and lifetime renewability. There is also
motorcycle insurance available.
Dental Insurance: Offered through Delta Dental, it
includes immediate coverage for most services and expanded
coverage for major services after a 12 month waiting period.
Long Term Care Insurance: Offered through Metropolitan
Life Insurance Company, it covers home care, assisted living,
and nursing home care, plus care provided by family members or
Medicare Supplement Insurance: Offered through United
HealthCare Insurance Company, it includes benefits that Medicare
will not cover.
Supplemental Health Insurance Plans: Offered through
United HealthCare, they offer hospital indemnity plans,
supplemental medical plans, hospital advantage plans, and
medical advantage plans.
Homeowners Insurance: Offered through The Hartford
Insurance Company, it includes lifetime renewability,
replacement costs on content, and full replacement cost
coverage. There is also mobile home insurance available.
Life Insurance: Offerd through New York Life Insurance
Company, it offers term and permanent policies to AARP members.
AARP is a private association whose revenue for 2004 was $878
million dollars. Their sales growth is at approximately 21
percent. Membership is at 36 million people and there are plans
for them to grow in the coming years.
A. M. Best: A (Excellent)
Moody’s: AA (Good)
Standard and Poor’s: A (Strong)
AARP offers programs through various insurance providers to
offer members discounted services. Competition would come from
the companies themselves, though the discounts would still only
occur if a person was a member of AARP.
Interested in getting an insurance quote through AARP? Insurance
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||State by State
**mutual insurance companies owned by its members
Types of Insurance Offered by Major Insurance Companies
*LTC stands for Long Term Care, a seniors insurance
Market Share (size) of Top Insurance Companies
Health Insurance Coverage Available For Major Insurance
*products not available
in all individual counties
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