A History of AARP Membership
For many years, AARP provided a lifetime membership option to its members. However, the organization's offerings have evolved over time to meet changing member needs and market dynamics. This shift in policy means that the lifelong plan is no longer available for new or renewing members. The change has prompted many to question their options and to seek clarity on the current membership structure. While those with existing lifetime memberships are typically grandfathered in and retain their status, everyone joining or renewing today must select from the available term-based plans.
Understanding Current AARP Membership Options
Instead of a lifetime option, AARP offers several annual and multi-year plans designed to provide flexibility and value. Prospective members can choose the plan that best fits their needs and budget. AARP also includes a free secondary membership for another adult in the household, making the benefits accessible to more people.
Available Membership Terms
- One-Year Membership: Often discounted for the first year with automatic renewal. This is a great way to try out the benefits with minimal commitment.
- Three-Year Membership: Offers a discount on the annual rate, providing a solid option for those looking for a medium-term commitment.
- Five-Year Membership: The longest term available and the one that provides the most significant discount compared to the annual rate. It is the closest alternative to a long-term plan.
Is AARP Membership Worth It?
Even without a lifetime membership, the value proposition of AARP remains strong for many. The hundreds of benefits often outweigh the membership fee. To determine if it's right for you, consider your lifestyle and how you might utilize the discounts and resources. It can be worth it if you frequently use a handful of the key discounts, which can quickly cover the annual cost.
- Travel and Dining: Significant savings are available on hotels, car rentals, cruises, and restaurants.
- Insurance: Members can access a range of insurance products, including auto, home, and health plans (some may have age restrictions).
- Health and Wellness: AARP offers resources on fitness, brain health, and access to certain health-related discounts, including prescription discounts.
- Advocacy: Beyond discounts, members support AARP's advocacy efforts on important social issues affecting older adults, such as Social Security and Medicare.
- Publications and Resources: Membership includes subscriptions to AARP The Magazine and AARP Bulletin, plus access to a vast online library of resources.
How AARP Compares to Other Memberships
To put AARP's offerings in context, a comparison with other major membership organizations can be helpful. While AARP focuses on benefits for the 50+ demographic and their families, organizations like AAA focus on automotive services and travel for all ages.
| Feature | AARP Membership | AAA Membership |
|---|---|---|
| Focus | 50+ advocacy, discounts, resources | Automotive services, travel, discounts |
| Eligibility | Open to anyone 18+ | Open to anyone 18+ |
| Current Longest Term | Five years | Annual, with multi-year renewals available |
| Key Benefits | Travel, dining, insurance, health, advocacy | Roadside assistance, travel planning, discounts |
| Cost (Example) | $79 for a five-year term | Varies by membership tier and region |
Joining and Managing Your AARP Membership
Joining AARP is a simple process that can be completed online, by phone, or by mail. New members receive immediate digital access to their membership card and benefits, with a physical card arriving within a few weeks. Online account management allows members to update information and access benefits easily.
Is it Possible to Lock in a Rate?
While a lifetime membership is not an option, the five-year plan effectively locks in a discounted annual rate for an extended period, protecting against potential future price increases. This provides the closest alternative to a perpetual membership, offering long-term stability without the full commitment of a lifetime plan.
For more information on AARP's current offerings and benefits, you can visit their official membership page.
Conclusion
While a lifetime membership from AARP is a thing of the past for new members, the organization provides attractive multi-year options that offer significant savings and a path to continuous benefits. The decision to join should be based on an individual's evaluation of the hundreds of discounts and valuable resources available. For many, even a one-year trial is a worthwhile investment to experience the value and decide on a longer-term plan.
