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Disclosures and Disclaimers

The AAO-Endorsed Insurance Program is brokered and administered by:
Pearl Insurance
1200 E. Glen Ave.
Peoria Heights, IL 61616

California Insurance License #0F76076
Arkansas Insurance License #1322

New York Life Insurance Company (NY, NY 10010) is the underwriter of Group Insurance Plans offered through the AAO-Endorsed Member Insurance Program.

About New York Life Insurance Company

New York Life Insurance Company, founded in 1845 and a recognized leader in the group insurance field, is one of the largest and most respected life insurance companies in the nation. New York Life has received the highest ratings for financial strength currently awarded to any U.S. life insurer by all four major ratings agencies: A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor's (AA+), and Moody's Investors Service (Aaa).*

New York Life 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 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.

*Source: Third Party Ratings Report as of 9/12/2019


Complete terms, conditions, definitions, exclusions, limitations, and renewability are outlined in the Certificate of Insurance provided to each insured for each coverage. Certain state restrictions apply.

The information provided within these pages describes benefits available through this insurance program and is intended to provide a brief overview of the coverage. All plan benefits, limitations, and exclusions are contained in the Certificate of Insurance for that specific Insurance Plan. Insurance coverage and availability may differ as regulated by each state. In the event of any conflict or inconsistency between the information on this site and the information contained in the plan documents, the plan documents will govern. For questions and clarity on plan details, please contact the Program Administrator, Pearl Insurance, at 1.800.622.0344.

New York Life Insurance Company
51 Madison Avenue
New York, NY 10010 USA

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