Is AARP Burial Insurance Any Good?

AARP's name recognition makes their insurance products popular, but is it the best deal? Here's an honest assessment:

Pros of AARP Burial Insurance

• Brand recognition — AARP is trusted by millions of seniors
• Underwritten by New York Life — One of the most financially stable insurers in the country
• No medical exam — Standard simplified issue process
• Legitimate coverage — Your beneficiary will get paid

Cons of AARP Burial Insurance

• Higher premiums — AARP rates are typically 20-40% higher than independent carriers
• Not actually AARP — AARP licenses their name to New York Life; they don't underwrite policies
• Limited customization — One-size-fits-all approach
• Marketing costs — Part of your premium pays for AARP's extensive advertising

Price Comparison Example ($10,000 coverage)

That $10-13/month difference adds up to $120-$156 per year — over 20 years, that's $2,400+ extra for identical coverage.

Bottom Line

AARP burial insurance is fine — it will pay out, and you're working with a stable carrier. But you're paying a premium for the brand name. Independent carriers often offer better rates for the same coverage.