Term Life Insurance


Providing for your family’s future requires sound financial planning and preparation for the unexpected. If something happens to you, you’ll want your loved ones to go on living their accustomed lifestyle without abandoning their goals and dreams.

The AAOS Member Insurance Program’s Term Life plan helps provide financial security, essential protection, and economic safety to you and your family.

Features of this plan include:

  • Coverage up to $6,000,000 for members and spouses
  • Rates fixed for 10, 20, or even 30 years
  • Ability to compare multiple carriers
  • A to A++ rated carriers
  • Non-tobacco user rates
  • Accelerated death benefit
  • And much more!

Life Insurance Needs Calculator

Complete the 6 questions below to calculate how much life insurance you should consider.


Estimate of remaining insurance you may need:

Frequently Asked Questions

Why Purchase Term Life Through the AAOS?

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

  • Up to $6,000,000 available for member and spouse coverage
  • Affordable, highly competitive rates
  • Access to multiple carriers
  • Level term plans for 10, 20, or 30 years

How Much Coverage Can I Apply For?

If you’re an AAOS member and a resident of the United States, you’re eligible to apply for up to $6,000,000 of AAOS Term Life Insurance, depending on the carrier.

How Do I Apply?

Before you request coverage, you must be a member in good standing with AAOS. To apply, please download and complete the AAOS Term Life quote form.

You may fax your completed form toll-free to 866.817.9009 or send via mail to:

AAOS Member Insurance Program
1200 E. Glen Ave.
Peoria Heights, IL 61616-5348