How to Opt-in to Student Disability and Student Term Life Insurance

With your AAO membership, you can become covered under two important group insurance policies at no cost to you— Student Disability coverage and Student Term Life coverage. AAO picks up the tab to support student members like you. When you graduate, you’ll be given the opportunity to continue this coverage on a premium-paying basis. In the past, Student Term Life insurance was provided to residents without the requirement to opt [...]

2025-07-09T19:54:47+00:00January 4, 2022|AAO insurance information, Disability insurance, Life insurance, Residents|
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Life and Critical Illness Insurance for Orthodontists

  Through your dedication to patient care, you have built a successful orthodontic career and are able to provide for your family. There are many financial tools people use to protect themselves, their businesses and their loved ones, such as saving an emergency fund, managing debt, planning for retirement or investing. Like Disability Insurance is important to help protect your income should you become disabled and unable to work as [...]

2025-07-09T19:58:52+00:00July 28, 2021|AAO insurance information, Life insurance|
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AAO-Endorsed Insurance Program 101—Applications, Claims and Details You Need to Know About Insurance

Insurance can be complicated and time-consuming. It is often the last thing you want to deal with in a day and the first thing to get pushed to tomorrow’s to-do list. Despite the anxiety insurance can cause, it is important to protect your career, practice and income. That’s where the AAO-Endorsed Insurance Program comes in to play. Together, Lockton Affinity and the AAO ensure the AAO-Endorsed Insurance Program continues to [...]

2025-07-09T19:51:58+00:00April 14, 2021|AAO insurance information, Insurance tips|
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Disability Insurance for Orthodontists

There are many facets to a successful financial plan—setting goals, saving an emergency fund, managing debt, planning for retirement, investing, and protecting what you’ve built with insurance. Many people turn to disability insurance, also known as disability income insurance, to help plan for the unexpected, as it helps protect your income should you become disabled and unable to work as an orthodontist.   Why Disability Insurance may be Critical for [...]

2025-07-24T16:40:30+00:00March 10, 2021|AAO insurance information, Disability insurance|
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LOCKTON AFFINITY, LLC

10895 Lowell Avenue, Suite 300 | Overland Park, KS 66210

(844) 893-9888 | [email protected]

MAILING ADDRESS: PO Box 410679 | Kansas City, MO 64141

The AAO-Endorsed Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC, Affinity Administrator Services, LLC in California Insurance License Number 0795478, in Arizona Insurance License Number 1800004362 and in Arkansas Insurance License Number 100108685. Coverage may not be available in all states and is subject to actual policy terms and conditions. Policy benefits are the sole obligation of the issuing insurance company. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. American Association of Orthodontists (AAO) will receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law.

*Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form GMR/FACE, Group Policy Nos. G-14242-0 (TL), G-14243-0 (10 LTL), G-14244-0 (20 LTL), G-14242-4 (POE), G-14242-3 (DI) and G-30270-0 (CI). For more information including features, costs, eligibility, renewability, limitations and exclusions click “Learn More.”

New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the eligibility sections for current availability. New York Life Insurance Company’s state of domicile is New York, and NAIC ID is #66915.

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