AAP Group Term Life Insurance

Group Term Life Insurance

Underwritten By New York Life Insurance Company


The Time Is Now.

Life insurance isn’t usually on the forefront of people’s minds…until they need it. Whether you’re young and single or married with a family, life insurance is one of the wisest investments you can make for the future—to help ensure that your family will be free from most financial burden in the event of your death.

This Group Term Life Insurance policy is more than just a death benefit. If you become disabled, this policy enables you to keep your coverage active without paying premiums (subject to certain terms & conditions). Plus, you could receive part of your benefits early to help avoid financial hardship if you become terminally ill.


Overview of Coverage for Group Term Life*:

  • Up to $2,000,000 in benefits for members and spouses
  • Coverage ends at age 70
  • Portable in the United States and Canada
  • Accelerated death benefit
  • Optional Accidental Death and Dismemberment coverage
  • Non-smoker rates available
  • No individual targeting for premium increase

Important Questions:

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How long can I keep this coverage?

Unlike employer-based coverage, this plan is portable--which means that if you change jobs, your coverage does not terminate. Access to this plan is through your AAP membership. Just maintain your membership to keep your coverage.

How much coverage should I request?

This is the most important question you could ask. Many experts recommend that you have five times your annual salary to help ensure your family’s financial responsibility is covered. However, every person’s need is different and this estimate isn’t always feasible. Calculate your coverage needs to help you find the right coverage to meet your needs and your budget.

What happens if I become totally disabled?

The Group Term Life policy includes a Waiver of Premium clause. This insured-friendly feature is built directly into the coverage to keep you insured even if you become disabled(subject to certain terms & conditions).

Do I really need life insurance when I’m young?

Life insurance isn’t just for older generations. As you reach important milestones—like graduating, buying a home, getting married, or having children—it is important to consider how your responsibilities change with each event. Many of these milestones occur while you’re young, so considering life insurance may not be a decision reserved for later in life. Thanks to the purchasing power of the AAP, it may be more affordable than you realize.

Have more questions?

For more information on this coverage – features, costs, eligibility, renewability, limitations and exclusions – please download the brochure to the right or contact a specialist.



*Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010—Policy Form GMR-FACE-G46330-0, GMR-FACE-G46330-1. Available only for members and employees residing in the U.S. 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. New York Life's state of domicile is New York, and NAIC ID # is 66915.

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If you wish to apply for this coverage, simply download and complete the appropriate application and send it to USI Affinity.

Please note that if you are an AAP member who is an employed Pediatrician at a clinic or other establishment and are applying for insurance please complete the member, not employee, Life insurance application.

Legal Information:


This policy can only be applied for by members. A 30 day free look provides an opportunity for return of the Certificate of Insurance without claim and a full refund. Please note state specific applications and other forms if applicable. To view a file you must have Adobe Acrobat Reader installed.

Puerto Rico residents should send application to:
Global Insurance Agency Inc.
P.O. Box 9023918
San Juan, Puerto Rico 00902-3918

AR Insurance License # 325944
CA Insurance License # 0G11911