Limited-Time Offer: Guaranteed Acceptance Coverage

After countless lectures, lengthy exams, and clinical rotations, you've earned your veterinary degree.

What comes next?

A well-rounded insurance portfolio—courtesy of the Graduate Guarantee Acceptance Program from the AVMA LIFE Trust and New York Life Insurance Company.

Here's how it works:

  • Enroll in your third or fourth year. Coverage will become effective on your graduation date or the date approved by New York Life, whichever is later.1
  • Your acceptance for coverage is guaranteed during open enrollment. No medical underwriting is required. You can get insurance coverage without answering medical questions, getting lab work, or visiting a doctor.
  • Open enrollment ends 60 days after graduation. Once open enrollment ends, your acceptance is no longer guaranteed. Don't miss out!

Guaranteed Acceptance Coverage Limits

Basic Protection:

Customized for veterinarians starting their careers, this package includes long-term disability2, decreasing term life, accidental death & dismemberment, and a rabies prophylaxis benefit

Long-Term Disability Income (LTDI):

Helps protect your income if you suffer a covered disability for an extended period

Coverage up to $5,500/month: Includes $3,500 LTD and $2,000 Future Purchase Option3

Short-Term Disability Income (STDI):

Helps protect your income for up to the first six months of a covered disability, including maternity4

Guaranteed acceptance benefit: $500/mo.

Student Loan Disability:

Can help you pay for your student loans if you suffer a covered disability

Guaranteed acceptance benefit: Up to $500/mo. with up to five years of maximum benefits

Family Group Life:

Helps take care of your family if you are gone so they can maintain their current quality of life

Guaranteed acceptance benefit: $100,000
Spouse/domestic partner: $50,000
Eligible children: $5,000 or $10,000 each

Accidental Death & Dismemberment:

Can pay you in addition to your life insurance policy for a covered accident

Guaranteed acceptance benefit: $100,000
Spouse/domestic partner: $50,000

Hospital Indemnity:

Helps you pay for days of covered hospitalizations5 or outpatient surgical procedures

Guaranteed acceptance benefit: Up to $100/day for you and your eligible dependents

Critical Illness:

Can pay a lump sum benefit upon diagnosis of specific diseases

Guaranteed acceptance benefit: $10,000
Spouse/domestic partner: $5,000

Professional Overhead Expense (POE):

When you are ready to start your own practice, POE can help pay for your business expenses while you are unable to work due to a covered disability

Guaranteed acceptance benefit: $300/mo.

Want More Details?

Download the coverage brochures for details about each products features, costs, eligiblity, renewability exclusions and limitations.

Download the Brochures*

3 Easy Ways to Apply


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For more information on the coverage and services offered through the AVMA Trust, visit our websites: AVMA LIFE and AVMA PLIT.

*For details about each products features, costs, eligibility, renewability exclusions and limitations.

1Provided you're performing the normal activities of a person in good health and of like age on the date insurance would take effect and the contribution is paid within 30 days of being billed. When coverage becomes effective, you will receive a bill and your Certificate of Insurance with full terms and conditions of your coverage. You will have a 30-day "free look" to review and determine if it is right for you or to cancel the coverage without for a full refund of any premium paid.

2You must be insured for a minimum of $1,000 Long Term Disability in order to qualify for the remaining benefits of the Basic Protection Package.

3Future Purchase Option can be converted to LTD monthly benefit following 12 months of continuous coverage and provided your income can support the increased coverage.

4Disabilities resulting from routine pregnancy, delivery, and related medical condition are not covered until you have been insured under STDi Plan 1 or Plan 2 for 12 continuous months. These disabilities have a 1-month maximum benefit period unless you purchase an Extended Maximum Benefit for Maternity Disabilities at the time coverage is issued.

5Includes daily benefits for routine maternity, delivery or related medical condition after you have been insured under the policy for 12 consecutive months.

These coverages are underwritten by New York Life Insurance Company, NY, NY 10010 on group policy form GMR. Guaranteed Acceptance Coverage includes only the products and limits listed above. Higher amounts of coverage/benefits may be applied for but will be subject to satisfactory evidence of insurability and insurance company approval. Some products may not be available in all states.

New York Life is licensed/authorized to transact business in all the 50 states, the District of Columbia, Puerto Rico, and Canada. However, not all group insurance it underwrites are available in all states. New York Life's state of domicile is New York and NIC ID # is 66915.

The experiences of the individual described herein may not be representative of the experiences of all clients.

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NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.