What Is AARP: Everything You Need To Know

If you are looking to know about AARP, you have just landed on the right page. Through the end, you will have everything you need on what is AARP.

When you are mulling over interacting with any business, whether an insurance company or any other business, you first want to know at least some basic things about it, these things may include a little introduction, values the company adheres to, their policies, mission statement, a record of conduct, and any special requirements. The prior knowledge of these things becomes indispensable when the matter is directly related to the well-being of people with old age.

The fact that people who cross the mark of 50 years are physically and mentally vulnerable to several issues makes it imperative to take special care of them and provide the necessities they need.

People around us age with time. And as they gradually take the journey of life, the road becomes longer, not because it keeps expanding inch by inch, but because our physical health fades away with time and leaves us at the mercy of circumstances.

That is why it is a wise thing to be well-prepared for the inevitable challenge that is to come sooner or later or equip those already in that challenging phase with enough resources to live a life that is not deprived of fun and is worry-free because the feeling that there is someone who has got our back is something to live by.

AARP perfectly fits the description in this context. It has been taking care of the needs and wants of the old Americans for many past decades. You probably have already heard about it, but this guide will equip you with all the information you need to get going. Let’s start with the introduction of the company.

What does AARP mean

AARP stands for the American Association of Retired Persons. This organization provides many benefits and services to its members, who must be age 50 or older. These include discounts on travel, insurance, and other products and services; educational resources; and advocacy on behalf of older Americans.

What is AARP?

AARP is an acronym for the American Association of Retired Persons. This non-profit organization focuses on providing various services, i.e. healthcare, insurance, education, travel, etc., to Americans over 50. It was founded in 1958 by co-founded Dr Ethel Percy Andrus, who is a retired educator from California, and Leonard Davis. AARP is considered one of the most powerful organizations in the USA, with around 38 million members.

It is also known for strong lobbying groups with deep connections in powerful circles. The purpose of AARP membership is to empower old Americans and help them in improving their quality of life as they get old. Among other benefits that the members receive from AARP, they are also entitled to a magazine and bulletin, which are also the largest publications in the United States.

AARP The Magazine covers a diverse range of topics, ranging from lifestyle, business, healthcare, travel, and relationships, to entertainment, book, and movie reviews. However, it majorly focuses on issues related to the old age population of the country.

American Association of Retired Persons (AARP) is basically an evolved version of the National Retired Teachers Association (NRTA), which was founded by Ethel. Although the organization worked for the promotion and well-being of old-age Americans, its scope was limited and only encompassed old teachers. In the next ten years, with the foundation of AARP, National Retired Teachers Association became one of the affiliated organizations.

In 2019, AARP managed to garner $1.70 billion as revenue via advertising and royalties. To present, AARP memberships have helped millions of old-age Americans continue their careers, better healthcare, investment opportunities, and insurance products.

How does AARP work?

aarp volunteers
aarp volunteers

AARP functions through a vastly spread network of offices in almost every state in the US and carries out its services through a volunteer force. It is operated with the help of its volunteer board which comprises 20 volunteers. Things that the organization routinely focuses on are independent living, healthcare, education, security, and other consumer issues.

AARP has its legislative teams and lawyers that advocate the rights of Americans, especially retired people and old Americans, in the national legislature and the courts of law.

In terms of finance, AARP generates its revenue from different endeavours. It charges for its AARP membership that is available to all Americans over 18 years.

What does the AARP membership cost?

AARP membership cost
AARP membership cost

AARP sells paid memberships and charges $16 for its one-year AARP membership plan. However, their membership fees vary along with discounts for those aspirants who look for more than one-year membership. More details are as below:

  • AARP provides a 25% discount and charges $12 if anyone joins them for a one-year AARP insurance plan and also opts for their auto-renew option.
  • AARP provides a 10% discount and charges $14.34 if anyone joins them for three years.
  • AARP provides a 21% discount and charges $12.60 if anyone joins them for five years.

Two branches of AARP

Although there are various affiliated organizations working under AARP, it has two main branches through which it provides its services for American senior citizens:

AARP Services

AARP Services monitors the quality of products the organization offers to AARP members. If an AARP member has any complaint, query, or feedback about any product, it comes under the responsibility of AARP Services to address that. What’s more, AARP Services doesn’t only deal with questions about physical goods. The intangible aspects of AARP products, including insurance plans, travel packages, health service delivery, etc., all are looked after by this branch of the organization.

AARP Foundation

AARP Foundation is an antonym to its other branch. This branch engages with the organisation’s members and has no connection to the service delivery or products. According to an official document, this branch works “for low income and disadvantaged seniors to help them meet their daily needs”. AARP Foundation works under the slogan of “For a future without senior poverty.” Whether it’s delivering food boxes at home to seniors, preparing seniors for jobs, helping them with their finances, or any other kind of other activity that warrants physical engagement comes under the domain of this branch.

What is AARP good for?

AARP is famous in the United States for a long-range of benefits that members of the organization are subjected to. From travelling to hoteling, entertainment to finances, and from health and wellness to gas and auto services, if you are one of 50+ people, AARP has got you covered.

We have outlined the most popular benefits that add to the stature of AARP in mature American citizens:

AARP Travel

What do you think about your next travel destination? No worries, AARP knows many! Just phone them, and an officer will contact you about the details of the destination you want to spend your vacation.

Delta Dental

AARP collaborates with various healthcare companies and provides premium healthcare insurance-based benefits to members. If you have any dental problems, AARP Dental Insurance Plan which is administered by Delta Dental Insurance Company offers both individual and family coverage.

AARP Hearing Center

Hearing loss is one of the ailments that is faced by seniors as they age. But with AARP Hearing Center, it can be treated and the impact can be minimized to live well with hearing loss. Members can not only find information, tools, and solutions to hearing problems but also can take scientifically validated phone-administered hearing test, and that too for free every year.

AARP Job Board

At the AARP Job Board, seniors can easily find some work that matches their interests. The job search has been made easy with filters, using which one can find part-time work, full-time work, or work from home positions in a matter of seconds.

AARP Auto Buying Program

Through this program, AARP is offering the best deals to get you a new or used car with the safety features you need. You can save thousands on any new car you purchase.

What is the AARP minimum age requirement?


AARP offers its membership to all American adult citizens. However, its full membership is only available to old Americans that are beyond 50 years of age. It is pertinent to mention that retirement is not mandatory to get an AARP membership. If you are an on-service American citizen beyond 50, you are eligible for the full membership of AARP.

While associate membership is available for younger Americans, they might not be eligible to get the same membership benefits as the old members.

AARP affiliates

We have already mentioned AARP Services and AARP Foundation, the two main branches of AARP above. Just for a recap; AARP Services is a for-profit corporation that sees quality-check of the products and services AARP offers to its members. While AARP is a charity that is focused on the welfare and well-being of older Americans.

The other affiliates of the organization are:

AARP Driver Safety

This part of the organization holds driver safety courses for older adults. It was the first of its kind in the United States when it was introduced back in 1979. The course offered through the program can be taken in a classroom setting but considering the daily commute problems of older Americans, the course is easily accessible via the internet. Since its inception, this course has prepared around 15 million older drivers. Toyota, a famous global automobile company, supports the program with a grant.

Legal Counsel for the Elderly

Legal Counsel for the Elderly is a non-profit charity of AARP that helps senior citizens in matters pertaining to legal issues in Washington D.C.

AARP Financial Services Corporation

AARP Financial Services Corporation manages AARP’s real estate and is for-profit.

What is AARP Insurance?

AARP offers an array of benefits to AARP members that have subscribed to their full membership. One of the benefits is their insurance. You might be surprised to know the kind of advantages that come with AARP Insurance.

AARP Insurance is a general insurance plan under which AARP offers different health, car, home, pet, etc., AARP insurance plans. With the help of AARP Insurance, the organization ensures that its members remain tension-free and live happy life in the latter half of their lives. Below are some of the important AARP Insurance for you to know:

AARP health insurance program?

AARP offers different types of health insurance to its members. The AARP Medicare Supplement Plans are only available to those who have already enrolled in the Medicare Part B plan. There is no minimum age limit for this type of health insurance. However, it is pertinent to mention that not all states offer this type of health insurance. AARP membership card is also required to avail of this type of health insurance.

AARP Auto Insurance Program

With the AARP Auto Insurance Program from Hartford, there are a number of benefits that members of the organization can enjoy. For one, the members can get a straight discount for three years on cars when they complete the AARP Smart Driver Course. Members also get 10% off while requesting quotes online or for bundling auto and home policies. Other benefits are Accident Forgiveness; in case something totally unwanted happens; and Disappearing Deductible. The old adults can also get premium claims services via AARP Auto Insurance Program. To register for the program, you need to send The Hartford a copy of your certificate and that’s it.

AARP Homeowners Insurance Program

Home is the biggest of the assets we have and securing it and protecting it remains at the top of our priorities. Don’t worry if you own a house or condo or even live on rent, with AARP Homeowners Insurance Program; you can get valuable coverage for personal property and protection against personal liability. What’s more, you can also choose some of the most efficient plans designed for AARP members, i.e. New for Old Protection and Disappearing Property Deductible. With this program, you can save up to 20% when you bundle your home and auto policies.

Fetch by The Dodo Pet Insurance

If your pet has fallen sick, you can get it treated at any licensed vet in the U.S. or Canada with the plans offered under this insurance program. AARP members can save up to 10% monthly with the help of Fetch by The Dodo Pet Insurance.

AARP mission statement

The mission and vision of AARP are to make life worth living, no matter if one has lived for half a century or already crossed it. AARP wants to create a society where no one feels lowly due to older age. The American Association of Retired Persons is set on a mission to help older Americans to live with dignity and honour by learning and subsequently pursuing their professional careers.

The mission statement on the official website of AARP is:

“AARP enhances the quality of life for all as we age. We champion positive social change and deliver value through advocacy, information, and service.”

While AARP’s vision statement is:

“A society in which all people live with dignity and purpose, and fulfill their goals and dreams.”

Who is eligible for AARP?

AARP entertains membership to the following only:

  • A legal citizen of the United States of America
  • Younger American (associate membership only)
  • Older Americans (full membership)

It is important to note here that only AARP members beyond fifty are eligible to get full access to all the benefits provided by the organization. In case you are under 50, the benefits would be limited. However, you can still get insurance products that are not age-restricted.

What are AARP Membership Benefits?

AARP provides a wealth of opportunities to save money, play, learn and volunteer. Choose from 15 Member Benefits categories, which include:

  • Travel
  • Restaurants
  • Shopping & Groceries
  • Gas & Auto Services
  • Home & Real Estate
  • Technology & Wireless
  • Entertainment
  • Work & Jobs
  • Finances
  • Insurance
  • Health & Wellness

Why should you join AARP in your 20s?

There is no shortage of benefits after you get the membership of AARP. Whether you are above or below 50 years, you are still eligible for different advantages attached to the membership. $16 is what is needed to pay to secure the membership of AARP and make yourself eligible for an array of discounts on your entertainment, travel, or dining endeavours.

If you are in your 20s, here’s why you should join AARP in your 20s:

Dining discounts:

If you are dining at Denny’s or Joe’s Crab Shack and Outback Steakhouse, you can get a discount between 10 to 15%, given you have acquired the AARP membership. You can find other restaurant discounts here on the official website of AARP. 

Entertainment discounts

Are you planning to hit cinemas any time soon? If you have your hands on AARP members, you can get up to a 20% discount on specific tickets and $3 off concessions at Regal Cinemas.

Travel discounts

If you are a hodophile and love to explore the wonders of the earth, you will love to know that British Airways flights charge $200 off on any ticket for AARP members. You can save up to 30% on rental car services like Budget and Avis if you are entitled to the AARP membership.

How to join AARP?

Are you interested in joining AARP? It’s only a few clicks away!

You can join AARP in two ways. You can call them at 1-888-687-2277 and initiate the member registration process, or simply log in to their website and fill out the registration form to become an AARP member.

How do I check my AARP membership status?

You can check your AARP membership status by logging into your account on the AARP website. Once you are logged in, your membership status will be displayed on your account page. You can also call AARP customer service at 1-888-687-2277 to check your membership status.

Does AARP offer a Lifetime membership?

AARP does not offer a lifetime membership. Membership in AARP is for a fixed term of one year, and members must renew their membership each year to maintain their benefits. However, there is no limit to how many years a member can belong to AARP.

Who owns AARP

AARP is a non-profit, nonpartisan membership organization for people aged 50 and over in the United States. AARP does not have any owners, and it is not affiliated with any political party.

What are AARP Benefits

Some of the benefits of joining AARP include discounts on travel, dining, entertainment, and some insurance products. AARP members also access member-only resources such as the AARP website, a monthly magazine, and local events.

How can I get a free AARP membership?

There is no such thing as a free AARP membership. Membership in AARP is for a fixed term of one year, and members must renew their membership each year to maintain their benefits. However, some ways to get discounts on the yearly membership fee. For example, some employers offer AARP membership to benefit their employees.

Bottom line

That was all of it. If you have made it to this last part of the article, you now have everything there’s to know about AARP. Simply put, AARP is a non-profit, nonpartisan organization that provides welfare services ranging from health, jobs, and education to Americans beyond 50 years. They operate through branches and affiliates that carry out different insurance programs with the help of a widely spread volunteer force.

People beyond and under 50 years can easily register themselves with AARP. However, benefits vary with age. If you are an old American or care about an older member of your family, AARP can be an excellent remedy for your worries.


Tony Bennett

Tony Bennett

Tony Benett makes his living in the insurance industry by teaching and consulting. He is also recognized by the legal profession as an expert on insurance coverages. His insurance experience includes having worked at the company level, owned an independent general agency and having worked for an insurance association. He has received various certificates over the past few years and helps his clients and readers by giving them a realistic outlook on what they can expect to achieve within their set targets. At Insurance Noon, he is known for his in-depth analysis and attention to details with accuracy. He has been published as one of the most referred agents by his peers in the insurance community. Tony loves the outdoors and most sport events. His passion other than providing excellent advice is playing golf.