Group Term Life Insurance


Providing for your family’s future can require sound financial planning and the ability to help prepare for the unexpected. If something should happen to you, you’d want your family to go on living their accustomed lifestyle, without being forced to abandon plans and dreams. AAOS Member Insurance Program's Term Life plan helps to provide financial security and essential protection and economy to you, your family and employees.

Features of this plan include:

  • Coverage up to $1,000,000 for members and $500,000 for spouses
  • Non-Tobacco User Rates
  • Accelerated Death Benefit
  • And much more!

With this Term Life insurance plan, you can have peace of mind that those you love will be provided for if you can't be there yourself. Sign up today!

Life Insurance Needs Calculator

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Frequently Asked Questions

Why Purchase Term Life Through the AAOS?

With AAOS Group Term Life Insurance, you’ll have access to the following benefits:

  • Apply for up to $1,000,000 of member coverage and $500,000 of spouse coverage.
  • Affordable, highly competitive group rates.
  • No exclusions except for suicide within two years.
  • Portable coverage: As long as you are a member you can maintain your valuable AAOS Group Term Life Insurance protection throughout your career, no matter where it takes you.
  • Accelerated Death Benefit: Enables you to apply for a portion of your benefits if you qualify as being terminally ill, subject to certain policy restrictions and limitations. These benefits are paid directly to you, and you may spend them any way you wish.

How Much Coverage Can I Apply For?

If you’re an AAOS member, under age 65, and a resident of the United States, you’re eligible to apply for $50,000 to $1,000,000 (in multiples of $50,000) of AAOS Group Term Life Insurance. If you are an insured member, you may also elect to apply for $50,000 to $500,000 (in multiples of $50,000) of Term Life coverage for your Spouse or Domestic Partner (see definition in downloadable brochure), if they are also under age 65.* Each dependent child from live birth to 26 years may also be insured for either $10,000 or $20,000.

Note: A person may not be covered as both a member and a dependent; a person may only be covered as a dependent by one member.

*Member must have coverage on self in order to be eligible to apply for Dependent Life coverage. Maximum benefit for spouse is the lesser of 100% of member’s amount or $500,000.

What Are Some of the Benefits of the AAOS Group Term Life Plan?

Accelerated Death Benefit*
Available to help terminally ill insureds and their families, this feature is designed to provide an insured one advance payment equal to the lesser of $250,000 or 75% of their in force life insurance to be paid while that person is still alive. To qualify, the insured must be diagnosed as having a life expectancy of 24 months or less, as well as any other necessary medical information requested. For additional details and limitations, please see the Certificate of Insurance.

*Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered terminally ill. You may wish to seek professional tax advice before exercising this option.

How Do I Apply?

Before you request coverage, you must be a member in good standing with AAOS—see other eligibility information and full details by downloading and reading the brochure. To apply, please download and complete the AAOS Group Term Life application. You may fax your completed and signed application toll-free to 1.866.817.9009 or send it via mail to:

AAOS Member Insurance Program
1200 East Glen Avenue
Peoria Heights, IL 61616-5348