In September 2023, the AAO-Endorsed Insurance Program launched QuickDecision, a faster application process for Group Term Life insurance coverage, that does not require a medical exam for most applicants.

As part of the AAO-Endorsed Insurance Program’s dedication to improving the program to meet the needs of member orthodontists, this quick application process is now available for Group Long Term Disability Income insurance, too.

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


Frequently Asked Questions about QuickDecision for Group Long Term Disability Income insurance

What is QuickDecision?

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

How long does QuickDecision take?

In most cases, applicants will receive a decision online in 30 minutes or less. The standard application process can take 30 to 60 days, as medical exams are often required.

Does QuickDecision apply to all the AAO-Endorsed Insurance Program insurance policies?

QuickDecision launched in fall of 2023 and was only available for applicants purchasing Group Term Life insurance. It now applies to Group Long Term Disability Income insurance, and we hope to extend this benefit to additional coverage options in the future.

When would QuickDecision not be right for me?

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

  • You require benefits of more than $7,500 per month.
  • You are aged 50 or older.
  • You have a complex medical situation.
  • You have specific questions about your eligibility.

What if I am declined through the QuickDecision application?

You may be declined through the QuickDecision 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.

Support from Lockton Affinity

Experience a faster insurance process today with QuickDecision for Group Long Term Disability Income insurance.

Questions about this new benefit? As administrator of the AAO-Endorsed Insurance Program, Lockton Affinity can help answer all your insurance questions, whether you are purchasing Group Long Term Disability Income insurance through the new QuickDecision application process or the standard process.

Contact our dedicated representatives today.