AAO insurance information Archives

Protecting You, Your Family and Your Children from Identity Theft and Its Ramifications

In today’s digital world, identity theft is more than just a buzzword. It’s a real and growing threat. From online shopping to using public Wi-Fi, your personal information is constantly at risk. Cybercriminals are becoming more sophisticated, and the consequences of identity theft — financial loss, damaged credit, and emotional distress — can be devastating. That’s why the AAO is proud to offer members access to the IdentityForce UltraSecure Premium [...]

By Lockton Affinity|2025-07-31T17:51:38+00:00July 31, 2025|AAO insurance information, Cyber Security, Identity theft|

FAQs about Cyber Liability insurance for AAO member practice owners

The AAO-Endorsed Insurance program, administered by Lockton Affinity, has partnered with Beazley, one of the leading experts in cyber insurance, to offer a Cyber Liability insurance policy that better protects your practice. To help AAO members understand this policy and the common cyber risks orthodontists face, Lockton Affinity has compiled answers to frequently asked questions on these topics. Answers to Your FAQs about Cyber Liability Insurance Cyber Liability insurance is [...]

By Lockton Affinity|2025-06-04T15:17:42+00:00June 4, 2025|AAO insurance information, Cyber liability insurance, Insurance tips, Practice insurance|

Employment Practices Liability Insurance for AAO Members

Wrongful termination, discrimination, breach of contract, sexual harassment — as an employer, your orthodontic practice faces the risk being sued for these employment-related claims and more. To fully protect your practice from this risk, your practice may require Employment Practices Liability insurance (EPLI). Read on to better understand this coverage and the difference a policy from the AAO-Endorsed Insurance Program can make for your practice. Understanding Employment Practices Liability [...]

By Lockton Affinity|2025-06-04T15:15:08+00:00June 4, 2025|AAO insurance information, Employment practices liability insurance, Insurance tips|

Understanding Cyber Threats Orthodontists Face

Cybercrime terminology is complex and constantly evolving. Knowing the meanings behind key terms can make cybercrime easier to understand and prevent. General Cyber Terms to Know Before understanding the specific types of cybercrime, it can be helpful to understand what kind of cyber risks your practice may face. Cyber incident A cyber incident is a broad category of cyber events that has two important characteristics: it can negatively impact [...]

By Lockton Affinity|2025-02-03T18:36:02+00:00February 3, 2025|AAO insurance information, Cyber Security|

AAO-Endorsed Insurance Program’s 10-Year and 20-Year Term Life Insurance

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 the AAO-Endorsed Insurance Program’s 10-Year and 20-Year Group Level Term Life insurance options. Selecting [...]

By Lockton Affinity|2025-07-09T19:15:46+00:00June 10, 2024|AAO insurance information, Life insurance|

Why Insurance Rates Vary

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 go with the least expensive option, there are many factors that impact insurance rates. Look [...]

By Lockton Affinity|2025-07-09T19:36:24+00:00January 10, 2024|AAO insurance information, Insurance tips|

AAO-Endorsed Short-Term Disability and Long-Term Disability Insurance

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 Insurance, underwritten by New York Life Insurance Company. Because there are short-term and long-term disability [...]

By Lockton Affinity|2023-10-31T17:41:05+00:00October 31, 2023|AAO insurance information, Life insurance|

Quick Decision: An AAO-Endorsed Insurance Program Benefit

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 Quick Decision, a faster application process that, in most cases, does not require a medical exam for our Group Term Life insurance coverage. Read [...]

By Lockton Affinity|2025-07-15T15:15:03+00:00September 6, 2023|AAO insurance information, Life insurance|

Why Life Insurance May Be Required for Orthodontists to Secure a Business Loan

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 unexpectedly, the amount of the loan could be paid back. Read on to learn more [...]

By Lockton Affinity|2025-08-04T15:34:51+00:00July 10, 2023|AAO insurance information, Life insurance, Practice insurance|

How Your Insurance Needs May Change throughout Your Career

As you progress in your career, your insurance needs may change. From residency to retirement, the AAO-Endorsed Insurance Program, administered by Lockton Affinity, provides access to a variety of insurance policies that can help safeguard you, your family and your practice throughout it all. You choose to go into orthodontics According to the AAO, after at least 10 years of higher education, the average first-year orthodontist carries over $560,000 in student loan [...]

By Lockton Affinity|2022-12-08T18:10:26+00:00December 8, 2022|AAO insurance information, Insurance tips|

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