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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.


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.

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.