L
LemonadeBest for long terms
One of the few online options with terms as long as 40 years.
- Terms up to 40 years
- Quick online decisions
- Term only, no permanent policies
Life Insurance · Updated October 2026
Lemonade vs AARP (New York Life) (2026)
Both are popular life insurance choices. Here's how they compare on term length · face amount · underwriting, and which one fits which shopper.
The quick verdict
- Lemonade Best for long terms One of the few online options with terms as long as 40 years.
- AARP (New York Life) Best for ages 50+ A simple option for older applicants who want coverage without a medical exam.
A
AARP (New York Life)Best for ages 50+
A simple option for older applicants who want coverage without a medical exam.
- No exam for members 50+
- Backed by New York Life
- AARP membership required
- Lower coverage limits
Side-by-side comparison
L | A | |
|---|---|---|
| Trustpilot rating | – | |
| Policy type | Term | Term (and permanent options) |
| Max coverage without exam | Varies by applicant | $150,000 |
| Term lengths | 10–40 years | Coverage to age 80 |
| Ages | 20–75 | 50–74 |
| Visit site | Visit site |
Also consider
- Ladder · Best for flexible coverage
What to compare before you choose
- Term vs. permanent. Term covers a set period at a lower cost. Whole and universal life last for life and build cash value.
- How much coverage. A common starting point is enough to replace income for the years your family would need it, plus debts.
- Medical exam or no-exam. No-exam policies are faster but may cost more or cap coverage amounts.
- Carrier strength. Check the carrier's financial strength rating from agencies such as AM Best.
Compare all life insurance providers that serve your ZIP code.
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