You work hard to give your family a great life. Because of your financial support, there’s food on the table and a roof over their head. They may even be able to enjoy the simple pleasures of life, like trips to the movies and dining out. But what if you were no longer in the picture?
AAO-Endorsed Group Term Life Insurance helps ensure your loved ones can maintain a high quality of life, should something ever happen to you.
With this coverage, your family can help:
Add this extra level of protection to your new or existing AAO-Endorsed Group Term Life Insurance policy to help alleviate the financial burdens of a chronic illness. You receive financial help while you're still living, called accelerated life benefits. Select a portion of your term life insurance that will be eligible for the chronic illness rider not to exceed your Group Term Life Insurance amount. Accelerated life benefits are paid annually in four installments. For complete details, refer to the AAO-Endorsed Group Term Life Brochure.
Highlights of the AAO-Endorsed Group Term Life Insurance Plan include:
For additional details—features, costs, eligibility, renewability, limitations, and exclusions—refer to the AAO-Endorsed Group Term Life Insurance brochure.
AAO-Endorsed Group Term Life Insurance is an annual renewable policy, which means you can renew your coverage on a year-to-year basis without re-qualifying. This policy may be best for young individuals who wish to cover short-term debts, such as a business loan or mortgage. Term life insurance is more affordable early on; however, each year, your premium will increase—gradually at first, and then more rapidly as you get older. For longer term needs, AAO-Endorsed Level Term Life Insurance may be a better option, as the rates are fixed for a specified period of time. Still not sure if term life insurance is the right choice? Give us a call at 800.622.0344. We’re here to help.
New York Life Insurance Company (New York Life) is a leader in the association group insurance field, providing life and health insurance plans for associations. The company has an enduring commitment to its customers' financial security. Regardless of the state of the economy or the stock market, New York Life bases its financial decisions on the guiding principle of serving its clients. New York Life has received the highest ratings for financial strength currently awarded to any U.S. life insurer from the leading independent ratings agencies, including A.M. Best (A++ as of 9/12/2019).
This plan is underwritten by New York Life Insurance Company, under Group Policy No. G14242-0, on Policy form GMR-FACE/G-14242-0.
New York Life is licensed/authorized to transact business in all 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability.
New York Life's state of domicile is New York, and NAIC ID # is 66915.
Applying for coverage through the AAO-Endorsed Insurance Program is easy. Click below to start the online application process today.Get Started
Add a chronic illness rider to make your life insurance work harder.
Term Life Insurance Application
(download and mail)
Term Life Application for Non-Member Employees of Orthodontists
(download and mail)
If you are a current AAO term life insured and wish to add the chronic illness rider, please contact an AAO insurance specialist at 800.622.0344.
Questions? Give us a call at