AOA members have access to member-only rates and coverage.
Products & Discounts
Coverage designed around the life and travel needs of members like you.
Coverage & availability vary by state.
Why Members Love Us
20% premium credit for Group Disability, Term Life, 10-Year Level Term Life and 20-Year Level Term Life
Act now to save 20% with an automatic premium credit on AOA member-only rates. The current 20% premium credit is not guaranteed and subject to change, however the Insurance program for AOA members has returned premium credits for several years.
Popular Products
Group 10-Year Level Term Life Insurance
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With QuickDecision℠ you can apply for up to $2 Million in coverage with typically no medical exam
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30-Day Free Look!
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20% Premium Credit
Group Term Life Insurance
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With QuickDecision℠ you can apply for up to $1 Million in coverage with typically no medical exam and supplement any coverage you may already have!
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30-Day Free Look!
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Accelerated Death Benefit and Accidental Death Benefit automatically included in Opti-Life at no additional cost.
Group Long-Term Disability Income Insurance
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Monthly benefits up to $12,500 available! With QuickDecision℠ you can apply with typically no medical exam for amounts up to $7,500.
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30-Day Free Look!
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Choice of Benefits and Waiting Periods.
Frequently Asked Questions
Benefits can feel complex. We’re here to help.
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QuickDecision is a process available on this coverage that allows us to make an underwriting decision in real time based on your answers to health questions in the application along with database information gathered. Since we are often able to receive everything we need through this process, we can deliver your answer sooner. We review your records, including medical information, driving record, and prescriptions, and may be able to let you know our underwriting decision by the end of the application, or if more details are needed.
While the QuickDecision process is only available on amounts up to $1 Million for Term Life Insurance and $2 Million for Level Term Life Insurance, you can apply for more coverage. If we need more information, a representative will call you to schedule a convenient time to answer questions or, if needed, have a medical professional visit you at our expense.
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No, not all products have the QuickDecisionSM process available. QuickDecisionSM is available for Group Disability Income Insurance, Group 10-Year & 20- Level Term Life Insurance and Group Term Life Insurance. -
Yes, membership is required in order to be eligible for any products sponsored through AOA on this page. Some products allow you to apply your spouse or family as well, where they do not need to be a member themselves.
New York Life is licensed/authorized to transact business in all the 50 united states, District of Columbia and Puerto Rico and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the benefit details sections for current availability.
New York Life Insurance Company’s state of domicile is New York and their NAIC is #66915
9042330
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Still have questions?
Call one of our agents at 1-866-331-0180
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Need to file a claim?
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