AAP Accidental Death and Dismemberment Insurance

Group Accidental Death & Dismemberment Insurance

Underwritten By New York Life Insurance Company

It’s Easy. And Smart.

As a medical professional, you understand the trauma families experience when a family suffers loss of life or limb in an accident.

Accidental Death & Dismemberment insurance can help protect you and your family from financial hardship after a serious accident, which other types of insurance may not cover. For only a few dollars a month, you can get thousands of dollars in added coverage on top of any life insurance coverage you have. If you’ve been denied for life insurance, AD&D may be a good alternative.

Overview of Coverage Group Accidental Death and Dismemberment:

  • Up to $500,000 in benefits
  • Coverage available for spouses and dependent children
  • Surviving Spouse Benefit when enrolled for dependent coverage
  • Education Benefit for eligible dependent children
  • Permanent Total Disability Benefit
  • Common Carrier Benefit for commercial air travel
  • Seat Belt Benefit

Important Questions:

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How long can I keep this coverage?

Unlike employer-based coverage, this insurance is portable--which means that if you change jobs, your coverage does not terminate. Access to this insurance is through your AAP membership. Just maintain your membership to keep your coverage until age 70, provided you make timely premium payments.

Does Accidental Death & Dismemberment Insurance replace life insurance?

No, AD&D insurance should not be a replacement for a good life insurance policy. AD&D Insurance is good to have in your insurance portfolio for added protection. To protect yourself in other circumstances, such as natural illness, you should maintain life insurance. If you’ve been denied for life insurance or you’re unable to afford it at this time, AD&D may be a good idea to purchase because it can provide some financial protection in case of accident.

What is a covered accident under an Accidental Death & Dismemberment policy?

If you are involved in an accident that results in a loss of life, a loss of two or more limbs, or a loss of speech and hearing, you could receive full or a portion of your benefit as noted in the downloadable brochure. Natural sickness, diseases not related to an injury, or injuries resulting from medical/surgical treatments are some exclusions on the AD&D policy. The full list of exclusions can be found in the downloadable brochure to the right.

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-G29190. Available only for members residing in the U.S. (excluding Vermont). 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 policies it underwrites are available in all jurisdictions. New York Life's state of domicile is New York, and NAIC ID # is 66915.

Certain restrictions apply on some benefits. Download the brochure for more information.

Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.

Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.

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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.

Legal Information:

This coverage 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