As you shop the market for disability or life insurance, you may notice policies that offer riders and endorsements. Riders and endorsements are two ways to reference the extra coverages that can be added to an insurance policy to enhance the protection it offers. Because riders and endorsements provide additional coverage on top of the [...]
There are many disability insurance policies on the market. How do you choose coverage that’s best for you and your family? Disability insurance can provide a steady stream of monthly income if you become totally disabled. Total disability means that, due to a covered illness or injury, you are unable to perform the substantial duties [...]
“This policy isn’t really necessary for my practice.” “They don’t understand my practice’s needs.” There are plenty of misconceptions about insurance but with the right insurer, your misconceptions and concerns can be put to rest. Read on to learn about 5 common orthodontist insurance misconceptions and how working with Lockton Affinity, the administrator of the [...]
There are many financial tools people use to help protect themselves, their businesses and their loved ones, such as saving an emergency fund, managing debt, planning for retirement or investing. Many also utilize life insurance. The AAO-Endorsed Insurance Program's Life insurance is available to help protect AAO members like you. Read on to learn about [...]
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 [...]
Owning your own practice comes with risk and that’s why the AAO-Endorsed Insurance Program, administered by Lockton Affinity, offers coverage to help protect your practice, including: Business Owner’s Policy Employment Practices Liability insurance Cyber Liability insurance and Workers’ Compensation insurance Should an incident occur at your practice that may turn into a claim, it is [...]
Insurance may seem cut and dry, so why the variance in rates from different insurance partners? There are many factors that contribute to insurance rates, including limit options, claim frequency and more. Factors that Cause Insurance Rates to Vary Insurance policies and their rates vary from company to company. While you may be tempted to [...]
Just think—if you were unable to work as an orthodontist and earn your current salary, your life would be greatly affected. Could you pay your mortgage, bills and loans? Disability insurance is critical for orthodontists and to meet the need for member orthodontists, the AAO-Endorsed Insurance Program, administered by Lockton Affinity offers Group Disability Income [...]
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 [...]
Like the majority of car dealers require drivers to have auto insurance before purchasing and driving a new vehicle off the lot, most lenders require business owners to have life insurance before borrowing a high-value loan to open a practice. Having a life insurance policy in place shows the lender that, should you pass away [...]