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non-medical

No Age Limit.

EA+ does not limit membership or issue rate increases due to age. Our rates for the individual and family plans are the same for all ages.

Acceptance Guaranteed

No medical exams and no waiting period after enrolling; an EA+ membership goes into effect immediately upon receipt of payment.

30-Day Free Look

Receive a full refund, as long as you haven't used the services, if it's determined that the plan will not meet your needs within 30-days of enrolling.

Why Members Love Us

Mountain Landscape

30 Years Experience Protecting Travelers

24/7/365 access to emergency coordinators who’ve handled thousands of cases just like yours.

$110 Annual Savings for Members

AOA members can secure industry-leading medical travel protection at a discounted rate.

Popular Products

Group 10-Year Level Term Life Insurance

  • With QuickDecision℠ you can apply for up to $2 Million in coverage with typically no medical exam

  • 30-Day Free Look!

  • 20% Premium Credit

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Group Term Life Insurance

  • 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!

  • 30-Day Free Look!

  • Accelerated Death Benefit and Accidental Death Benefit automatically included in Opti-Life at no additional cost.

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Group Long-Term Disability Income Insurance

  • Monthly benefits up to $12,500 available! With QuickDecision℠ you can apply with typically no medical exam for amounts up to $7,500.

  • 30-Day Free Look!

  • Choice of Benefits and Waiting Periods.

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Member Benefits Vary by Employer & Location

Member Benefits Vary by Employer & Location

Member Benefits Vary by Employer & Location

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