Life insurance

Understanding Riders and Endorsements — Additional Options for Your Life and Disability Insurance

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 basic policy, there are typically additional costs associated with them. Offering riders or endorsements are [...]

By Lockton Affinity|2025-07-09T19:10:54+00:00December 30, 2024|Disability insurance, Life insurance|

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|

Now Available! QuickDecision for Group Long Term Disability Income insurance

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 for Group Long Term Disability Income insurance, too. Read on to learn more about this [...]

By Lockton Affinity|2024-03-21T17:21:14+00:00March 21, 2024|Disability insurance, Life insurance|

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|2025-07-09T19:21:27+00:00July 10, 2023|AAO insurance information, Life insurance, Practice insurance|

The Various Career Paths of Orthodontists

The field of orthodontics has several potential pathways an orthodontist’s career might take. You may work for a practice, own your own practice, join a group practice, join a DSO or OSO or find that you’ve worked in a combination of these paths by the end of your career. As an example of how one orthodontist’s career can change throughout the years, we talked to AAO-member orthodontist and Board of [...]

By Lockton Affinity|2023-03-20T16:32:32+00:00March 20, 2023|Disability insurance, Life insurance, Practice insurance, Residents|

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 [...]

By Lockton Affinity|2025-07-09T19:54:47+00:00January 4, 2022|AAO insurance information, Disability insurance, Life insurance, Residents|

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 [...]

By Lockton Affinity|2025-07-09T19:58:52+00:00July 28, 2021|AAO insurance information, Life insurance|

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