AAP Group Term Life Insurance

Group Term Life Insurance

Underwritten By New York Life Insurance Company


The American Academy of Pediatrics Group Insurance Trust is pleased to announce a dividend of 10% for the Group Life Insurance through July 31, 2022 and for Group Disability Insurance through September 30, 2022. Members insured under both Life and Disablity will receive 10% for the Life policy and 15% for Disability. We are pleased to pass along these rate savings to you as a thank you for participation.


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 80
  • 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 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.

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 budget-friendly 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.


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


*Future dividends will be granted based on claims experience and are not promised or guaranteed.

**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 policies it underwrites are available in all jurisdictions. New York Life's state of domicile is New York, and NAIC ID # is 66915.

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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We can be reached at (800) 257-3220 from 9:00 a.m. to 5:00 p.m. EST. Can’t talk right now? Let us know when works best for you and one of our knowledgeable insurance professionals will call or email you to talk through and answer any questions you may have.


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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.