resident insurance


Complimentary Student Disability and Term Life Insurance with your AAO membership

According to a Student Loan Survey conducted by the AAO, the average student loan debt between 2008 and 2017 for an orthodontic resident was $418,722—a number that continues to rise. Because of the investment you have made in your education, you need insurance to protect your education, knowledge and loved ones.

While unlikely, if you become disabled or die while in school, your life and your family’s lives would be greatly affected. Could you or your family members pay your bills and students loans?

That’s why Lockton Affinity, with guidance from AAO, created a student insurance package with Group Disability Insurance and Term Life Insurance. Offered to all AAO resident members at no cost, it is one of many ways the AAO is dedicated to its members’ futures.

Activate your coverage and help protect you and your family’s financial future in less than five minutes.



Complimentary coverage

With your AAO membership, you receive this important coverage at no cost to you. The AAO is picking up the tab. It is one way the AAO supports orthodontic residents like you.

Loan repayment

Should you become permanently disabled while in school and under age 45, this this Student Disability Insurance policy will pay up to $200,000 towards your student loans.

Benefit amount

Receive up to $2,000 per month Student Disability benefits should you become disabled, as defined. This monthly benefit is not offset by benefits received from other disability insurance.

Receive $100,000 in Student Term Life insurance.

Conversion after graduation

Once you begin practicing, you can convert to the Group Disability Plan at the $2,000 monthly benefit amount, and/or the Group Term Life Plan for $100,000, without medical underwriting. You can also apply for additional coverage under either or both policies.


This website is not intended for use with residents of New Mexico with respect to Disability Income Insurance. For more information including features, eligibility, renewability, limitations and exclusions, click here.

Preparing for graduation?

Your no cost Group Student Disability and Term Life insurance policies will expire upon your graduation.

To help ensure you and your income continue to be protected as you progress in your career, the AAO-Endorsed Insurance Program lets you convert your student coverage to the Group Disability Income insurance and Group Term Life insurance up to six months in advance.

When your graduation date approaches, there are two options for converting:

1. Convert quickly– To accelerate your conversion, you can do so without medical underwriting at the $2,000 monthly benefit amount for Group Disability insurance and/or $1000,000 for the Group Term Life insurance.


2. Apply for larger benefits– For monthly Disability amounts up to $15,000 and our full selection of Life products with benefit amounts up to $3,000,000, you can request a quote and apply online.


Coverage to consider in the future

If you are unsure where your future will lead you, know that the AAO-Endorsed Insurance Program will be here for you each step of the way.

From Life insurance and Critical Illness insurance to Business Owner’s policies, your coverage through the AAO-Endorsed Insurance Program is tied to your AAO membership. So, as you switch employers or start your own practice, our coverage will stick with you through it all.


About Lockton Affinity

Our dedicated team understands the risks you face as an orthodontic resident. When you partner with Lockton Affinity, you can expect more than insurance.



With your AAO-Endorsed insurance comes a team of highly trained insurance representatives who understand the risks and exposures you face as an orthodontic resident. You will have a dedicated account manager who will support you and become familiar with your practice and insurance needs.



From fast claim settlement to online applications for new coverages, we strive to make every interaction as efficient as possible, so you can focus on your patients and your practice.



Our insurance solutions are designed to fully protect your earnings, business, property and more. By working together, Lockton Affinity and the AAO are focused on enhancing the insurance program to ensure it continues to meet the ever-changing needs of members like you.

Contact Us

If you have any questions about obtaining or servicing your insurance, please complete this form or call us at
(844) 893-9888.

Phones are answered Monday through Friday, 7 AM to 5:30 PM (CST).