With your AAO membership, you can become covered under two important group insurance policies at no cost to you— Student Disability coverage and Student Term Life coverage. AAO picks up the tab to support student members like you. When you graduate, you’ll be given the opportunity to continue this coverage on a premium-paying basis.

In the past, Student Term Life insurance was provided to residents without the requirement to opt in. Moving forward, AAO members must opt in to receive this complimentary coverage. This change ensures all AAO members are aware of and take advantage of the coverage they receive.

How to Opt-in to Student Disability and Student Term Life Insurance

Despite this change, it is fast and simple to opt-in to Student Disability and Student Term Life Insurance. Click the “Activate Now” button at AAO-Insurance.com/Student-coverage and complete the following questions:

  • Name
  • AAO member number
  • Birthdate
  • Contact information
  • Residency information
  • Expected graduation date

This standard information is all it takes to receive your complimentary AAO member coverage.

About Student Disability and Student Term Life Insurance

While unlikely, if you become disabled or die while in school, your life and your family’s lives could be greatly affected.

Could you or your family members pay your bills and students loans without your income as an orthodontist? Group Student Disability and Group Term Life Insurance, underwritten by New York Life Insurance Company and administered by Lockton Affinity, can help.

  • Benefit amount—Receive up to $2,000 per month in Student Disability benefits for up to seven years should you become disabled, as defined. Receive $100,000 in Student Term Life insurance.
  • Conversion after graduation—Once you begin practicing, you will be given the opportunity to continue coverage for the Life and/or Disability insurance on a premium paying basis without medical underwriting. You can also apply for additional coverage under either or both policies at exclusive group rates.
  • Loan repayment—Should you become totally and permanently disabled while in school and under age 45, this Student Disability coverage will pay up to $200,000 towards your eligible student loans.

Help protect you and your family with Student Disability and Student Term Life Insurance from the AAO-Endorsed Insurance Program. Opt in to receive this beneficial coverage today.


This material is not intended for use with residents of New Mexico with respect to Disability Income Insurance.

Special ID# 1922906