Is it worth joining AARP at 50? An in-depth guide to membership

With more than 38 million members nationwide, AARP is a powerhouse advocacy group, but many wonder if a membership is premature or practical. Answering the question, 'Is it worth joining AARP at 50?' requires looking beyond the discounts to understand the full scope of benefits.

Quick Summary

Deciding to join AARP at 50 can be highly beneficial, especially for those who use the myriad discounts on travel, dining, and insurance, plus access valuable advocacy resources and publications. The low annual fee is often offset by savings from just one or two purchases.

Key Points

• Low Cost, High Potential Savings: The modest annual fee is often quickly recouped through discounts on travel, dining, insurance, and technology, making the membership a financially sound decision for many.

• Extensive Discount Network: AARP provides access to hundreds of discounts, covering a wide range of services and products, from car rentals and hotels to restaurants and cell phone plans.

• Powerful Advocacy and Resources: Beyond discounts, membership supports AARP's political advocacy efforts and provides access to valuable information on finances, health, and retirement planning.

• Free Household Membership: A primary membership includes a free secondary membership for another adult in the household, effectively doubling the value for couples or families.

• Benefits Start at 50 (with some perks for younger members): At 50, you gain access to the full spectrum of benefits, though those under 50 can join for some limited discounts and supporting the cause.

Understanding the AARP Membership

Founded in 1958, AARP (formerly the American Association of Retired Persons) is a non-profit organization dedicated to empowering older Americans. While many people associate AARP exclusively with retirement, the organization has long broadened its appeal, allowing anyone over the age of 18 to join. However, some insurance-related benefits are reserved for those 50 and older due to legal or contractual limitations. At 50, you are considered a primary target demographic, and membership can unlock a wide array of benefits designed for those in the 50+ age range.

The annual membership fee is nominal, often ranging from $12 to $16 depending on the enrollment term and any promotional offers. This small investment provides access to a comprehensive suite of resources covering finances, health, entertainment, and more. A free secondary membership for another person in the same household is a standard inclusion, adding further value.

The Financial Benefits: Are the Discounts Real?

For many, the core appeal of AARP membership at 50 is the potential for financial savings. The discounts offered are extensive and cover everyday expenses, travel, and major purchases. Evaluating if the savings are worth the annual fee requires a personal assessment of your spending habits.

Travel and Leisure Savings

If you are an active traveler, the membership can quickly pay for itself. AARP offers discounts on a wide range of travel expenses. These can include:

• Discounts on hotel stays at major chains like Wyndham and Choice Hotels.
• Savings on car rentals from companies like Avis and Budget.
• Discounts on travel packages, cruises, and tours.
• Special deals through the AARP Travel Center powered by Expedia.

Dining and Entertainment Discounts

Even for local activities, AARP can provide a return on your investment. Many popular restaurants offer a 10-15% discount for AARP members. Look for participating locations at chains such as Denny's, Outback Steakhouse, and Carrabba's Italian Grill. For those who enjoy cultural events, AARP also secures discounts at local entertainment venues, from movie theaters to concerts and stage shows.

Insurance and Technology Deals

As you approach retirement, managing insurance costs becomes increasingly important. AARP offers access to a variety of insurance products through trusted providers, including:

• Auto and home insurance from The Hartford.
• Health insurance plans through UnitedHealthcare.
• Life and long-term care insurance options.

Technology and wireless deals are also available, with discounts on phone plans and devices from Consumer Cellular and AT&T. This can be a significant money-saver, especially for those updating their tech or looking for a more affordable mobile plan.

More Than Just Discounts: Advocacy and Resources

Beyond direct monetary savings, AARP provides significant non-tangible benefits that are crucial for the 50+ demographic. The organization is a powerful, non-partisan lobbyist in Washington D.C., advocating for social security, Medicare, and other senior-related issues. For many, supporting this advocacy work is reason enough to join.

Career and Financial Planning

At 50, retirement planning and financial security are top-of-mind. AARP offers a wealth of resources in this area, such as:

• The AARP Job Board, which focuses on opportunities for experienced workers.
• Work and career resources, including resume reviews and skills-building courses.
• Financial tools and calculators to help plan for retirement and manage money.
• Access to information and guides on Social Security and Medicare.

Publications and Community Engagement

Members receive subscriptions to AARP The Magazine and the AARP Bulletin, which offer a blend of lifestyle content, news, and financial advice. Additionally, AARP hosts numerous virtual and in-person events, providing a platform for socialization, education, and community involvement.

Comparison: AARP vs. AAA

While AARP is a lifestyle and advocacy organization, another popular membership, AAA, is primarily known for roadside assistance but also offers discounts. A quick comparison helps clarify the different value propositions.

Feature	AARP Membership	AAA Membership
Primary Focus	Advocacy, information, and a wide array of discounts for the 50+ demographic.	Roadside assistance, travel services, and automotive discounts.
Membership Cost	Relatively low annual fee (often under $20) with multi-year options.	Varies significantly by region, membership tier, and service level (can be $50+ annually).
Best For	Individuals primarily seeking discounts on travel, dining, and insurance, plus access to extensive resources and political advocacy.	Individuals prioritizing vehicle-related services like roadside assistance and repair discounts.
Household Coverage	Includes a free secondary membership for another household member.	Varies by membership plan, often requiring an additional fee for family members.

For someone at 50, comparing your specific needs is key. If vehicle assistance is your main priority, AAA is the clear choice. However, for a holistic suite of discounts, advocacy, and resources, AARP provides a different and potentially broader value, often at a lower price point.

The Cost-Benefit Analysis at 50

Ultimately, whether it's worth joining AARP at 50 depends on your lifestyle. At this stage, many individuals are experiencing peak earning years, making the financial perks and planning resources particularly relevant. The modest annual fee is easy to justify if you can utilize even a few of the available benefits throughout the year. For instance, a single car rental discount or a few hotel stays could easily cover the cost.

Furthermore, the educational and advocacy aspects offer value that isn't purely monetary. Staying informed on issues affecting older Americans, accessing retirement planning tools, and engaging in community events can significantly enrich your life as you age. The ability to add a household member for free also multiplies the potential for savings.

Before you commit, it's wise to review AARP's website to see the specific discounts and programs available in your area. For more detailed information on their mission and history, visit the official AARP website.

Conclusion: A Small Investment with Big Potential

For many, the answer to the question "Is it worth joining AARP at 50?" is a resounding yes. The membership offers far more than just discounts; it provides a valuable gateway to resources that support a healthy and engaged lifestyle as you age. While the direct savings can often offset the low annual fee, the added benefits of advocacy, financial tools, and publications make it a worthwhile investment for those navigating midlife and beyond.

Frequently Asked Questions

Do you have to be 50 to join AARP?

No, AARP membership is open to anyone over the age of 18. However, many of the insurance-related benefits are reserved for those 50 and older, in line with the organization's focus.

What is the primary benefit of joining AARP at 50?

The primary benefit for those turning 50 is the unlocking of full access to AARP's extensive network of discounts and resources, particularly for insurance, travel, and financial planning, all tailored to the 50+ demographic.

Can I get a discount on my auto insurance with AARP?

Yes, AARP has an endorsed relationship with The Hartford, which offers special rates and discounts on auto insurance to AARP members. It's recommended to get a quote to see how much you can save.

Is AARP membership worth it if I don't travel often?

Yes, even without frequent travel, the membership can still be worthwhile. Discounts on dining, cell phone services, and access to financial planning tools can easily exceed the annual membership cost.

How much does it cost to join AARP at age 50?

The standard annual membership fee is low, often around $16, though promotional offers can make the first year even less. There are also multi-year options that offer savings.

What is included with the AARP membership?

A membership includes access to hundreds of discounts, financial and health resources, publications like AARP The Magazine, a free secondary household membership, and advocacy for issues affecting older Americans.

Is AARP considered an insurance company?

No, AARP is not an insurance company. It is a non-profit organization that partners with various insurance providers to offer products and rates specifically for its members.