How to Complete the AARP Life Insurance Beneficiary Change Form

Where to locate the AARP beneficiary change form

The form is available in the member portal under "Policy Services" or can be requested by calling AARP Member Services. A printed copy is also mailed annually with your policy statements.

Key information you must gather

Before filling out the form, have the following details ready for each new or existing beneficiary:

• Full legal name
• Social Security number or Tax ID
• Relationship to the insured
• Percentage of the death benefit
• Current mailing address

If you are removing a beneficiary, note the date of removal for your records.

Filling out the form correctly

Follow these steps to avoid processing delays:

• Enter the policy number exactly as it appears on your statement.
• Use legible, black ink for handwritten submissions.
• Check each percentage adds up to 100 % for primary beneficiaries; contingent beneficiaries are optional.
• Sign and date the form in the designated area; an unsigned form will be returned.

Submitting the completed form

You can submit the form in three ways:

• Online upload: Log into the AARP portal, navigate to "Upload Documents," and attach the scanned form.
• Fax: Send to the fax number listed on the form's cover page; keep the fax confirmation sheet.
• Mail: Use the address provided in the member packet; consider certified mail for proof of delivery.

After submission, AARP typically processes changes within 10‑14 business days. Request a confirmation letter to verify the update.

Common pitfalls and how to avoid them

Missing or incorrect data—such as an outdated address or a typo in a Social Security number—will trigger a request for clarification, extending the timeline. Also, avoid using nicknames; the beneficiary name must match official records.

When to seek professional advice

If you have multiple beneficiaries across different jurisdictions, or if the change impacts estate planning, consult a qualified attorney or financial planner. They can ensure the beneficiary designations align with tax implications and probate laws.

Quick reference table