As part of our dedication to improving the AAO-Endorsed Insurance Program and ensuring it continues to meet the needs of orthodontists like you, we always look for improvements and additional features to add to our policies and program as a whole.

We are thrilled to announce a new benefit launching at the end of September—Quick Decision, a faster application process that, in most cases, does not require a medical exam for our Group Term Life insurance coverage.

Read on to learn more about this coverage feature and how it may benefit you.

Frequently Asked Questions about the AAO-Endorsed Insurance Program Quick Decision

What is Quick Decision?

Quick Decision is a new, faster application process, available online through our carrier partner, New York Life. This process does not require a medical examination and shows you the coverage you qualify for upon completion.


Does Quick Decision apply to all the AAO-Endorsed Insurance Program Life insurance policies?

At this time, Quick Decision applies only to Group Term Life insurance. We hope to extend this benefit to additional coverage options in the future.


Why is Quick Decision beneficial?

In most cases, applicants will receive a decision online in 30 minutes or less. The standard process can take 30 to 60 days.

This increased timeline can be especially beneficial if you are required to have life insurance coverage to secure a high-value business loan.


When would Quick Decision not be right for me?

Quick Decision is limited to certain benefit amounts, ages and states. We recommend you use the standard application process if:

  • You require benefits over $500,000.
  • You are age 50 or older
  • You have a complex medical situation.
  • You have specific questions about your eligibility.


What if I am declined through the Quick Decision application?

You may be declined through the Quick Decision process, depending on your age, health, limit desires or state of practice. If you are declined, you may be able to apply via the normal application process.


When is Quick Decision available?

This new feature will be added to the New York Life application portal by the end of September 2023.


Support from Lockton Affinity

As administrator of the AAO-Endorsed Insurance Program, Lockton Affinity can help answer all your insurance questions, whether you are purchasing Group Term Life insurance through the new Quick Decision application process or the standard process.

Contact our dedicated representatives today.