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Group Term Life Insurance

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:

  • Pay for funeral costs
  • Meet ongoing living expenses
  • Pay off outstanding debt, including car and home loans
  • Finance future needs like a college education

Chronic Illness Rider Available

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.

Plan Overview

Highlights of the AAO-Endorsed Group Term Life Insurance Plan include:

  • Wide-range of coverage amounts: choose any amount you need, from $100,000 to $3,000,000 in $10,000 increments
  • Accelerated death benefit included: request up to 50% of your death benefit if you are diagnosed with a terminal illness
  • Inflation guard option: increase your coverage amount by 10% per year, without medical questions, to help ensure your coverage keeps pace with inflation
  • Spouse and dependent coverage available: apply for up to $1,500,000 for your lawful spouse, and up to $10,000 for your eligible dependent children
  • Chronic illness rider: offers a living benefit for a qualifying chronic illness diagnosis

For additional details—features, costs, eligibility, renewability, limitations, and exclusions—refer to the AAO-Endorsed Group Term Life Insurance brochure.

Is AAO-Endorsed Group Term Life Insurance Right for You?

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.

Insurance Carrier

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).

New York Life
State of Domicile:  New York
NAIC ID #66915
51 Madison Avenue
New York, NY 10010 USA

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.

Apply Online

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.

Applications & Brochures


Term Life Insurance Brochure


Term Life Insurance Rates

Chronic Illness Rider Rates


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.

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