Help protect your family’s lifestyle, plans and dreams for the future

AAFP Insurance makes it easier to safeguard what you’ve worked so hard to achieve.

Up to $2 million in valuable Level Term Life Insurance
As life changes, it’s important your life insurance changes with it. As an AAFP member you are eligible to apply online for exclusive coverage not available to the general public. Whether you’re looking for first time coverage or to supplement existing coverage, consider AAFP Level Term Life Insurance underwritten by New York Life Insurance Company.
Preferred group rates — locked-in for 10 or 20 years
The rate you pay is guaranteed not to increase for the entire length of the term you choose. That’s either 10 or 20 years. Your spouse may apply for an amount equal to or less than the amount you choose.** All your dependent, unmarried children can be covered on one policy.†
Affordable association rates save you money
This coverage is offered to AAFP members at group rates – rates that may be lower than those you can find on your own. And unlike insurance an employer provides, you won’t lose this protection if you change jobs. Your right to renew won’t be jeopardized even if you switch employers or discontinue your AAFP membership. Use our Premium Calculator to find out how affordable it can be.
Life Insurance you can trust
The AAFP Guaranteed-Level-Premium Association Group Term Life Insurance Plan is offered to family physicians by New York Life Insurance Company, a company we selected because of its proven financial strength and superior service. An industry leader for more than 170 years, New York Life has the highest possible financial strength ratings currently awarded to any life insurer from all four of the leading independent rating services.
What every AAFP Member should know about AAFP Term Life Insurance
At a glance, look at the key benefits of AAFP Guaranteed-Level-Premium Association Group Term Life Insurance Plan.
Guaranteed rates
locked-in for 10 or 20 years
Benefits will never decrease
due to your attained age or poor health
“Living benefits”
you can access half your benefit amount, if diagnosed with a terminal illness*
Coverage for the entire family**
you, your spouse, and your children †
Your protection is portable
you can take it with you if you change jobs
No exclusions
benefits are paid for any cause of death, anytime, anywhere
* Please note that receipt of Accelerated Death Benefit (Living Benefit) proceeds may have tax consequences and affect your eligibility for some assistance programs. You may wish to contact the appropriate social services agency or your tax advisor before applying for these funds. Premiums continue to be payable but the benefit amount is decreased by one-half. This feature is not available to residents of MA.
** Spouse coverage is subject to the same policy provisions applicable to members including age-based eligibility and renewability, limitations, exclusions and termination. Your spouse’s insurance will be issued as part of your certificate. Unless indicated, the AAFP member is the primary beneficiary. Coverage can remain in force even if you terminate your AAFP membership, die, legally separate, divorce or remarry. If you and your spouse are both AAFP members, please decide whether you want coverage under one joint Certificate of Insurance or separate Certificates.
† Children already insured under the AAFP Traditional (G7200) or Guaranteed-Level-Premium Term Life Insurance plans are not eligible. The insured parent is the beneficiary.