Group Life Insurance through AVMA LIFE Trust

Let's get real for a second, okay? Life is never guaranteed from one day to the next. So it's important to ask yourself:

"How would my loved ones cope financially if I were no longer in the picture?"

Without your income, could your family:

  • Maintain their current quality of life?
  • Afford to pay for your funeral?
  • Continue to pay off outstanding debts?
  • Finance future needs like your kids' college education?

If your answer to any of those questions is no, then chances are you need life insurance. And as an AVMA member, you have access to member-exclusive group rates on life insurance coverage tailored to fit your needs.

Find Your Life Insurance Coverage

Click on the coverage names below to view more information on the life insurance options offered through AVMA LIFE.

Good Things Come to Those Who Wait

If you've put off applying for life insurance, you're in luck. Eligible members may qualify for new, lower rates1 for 10-Year and 20-Year Level Term Life Insurance (LTL) through the AVMA LIFE Trust.

Plus, if you are a first-time new applicant and request $500,000 or less in coverage of Family Group Life (FGL) or Level Term Life (LTL), you could qualify for coverage without needing any medical exams or a doctor's visit—and you could get an underwriting decision as soon as today with QuickDecisionSM (QD) for FGL and as early as next week with our new Quicker-Decision Expedited Underwriting (QD-Expedited UW) process for LTL!2

QuickDecisionSM/QD-Expedited UW FAQ

Certain limitations apply. Review our Frequently Asked Questions (FAQ) for details.

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For those who are ready to apply now

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Contact an Agent

For those who need help interpreting the insurance jargon or want coverage recommendations

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Expand Your Insurance Portfolio

Got life insurance? Great! But that's just one piece of your financial planning puzzle. Round out your insurance portfolio with Critical Illness Insurance and the Member Basic Protection Package today. And learn more about the retirement solutions available to you and your veterinary team through the AVMA Trust Association Retirement Plan.

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Get in Touch

Have more questions before you apply? Fill out the form below, and your AVMA LIFE agent will get in touch.


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

1Effective September 1, 2023, New York Life repriced LTL Insurance available to AVMA members. The new rates are lower for most age groups but vary based on policy amount, risk class, gender, and tobacco/nicotine use. The new rates are based on the actual experience (group buying power) of AVMA members.

2New applications for $500,000 or less of FGL or LTL are subject to QD/QD-Expeditied UW. QD/QD-Expedited UW is available to AVMA members and their spouses/domestic partners under age 65 (under 55 for 20-Year LTL). Coverage is also available for dependent children under age 23. QD-Expedited UW is not available to an applicant who is age 65 or older (55 or older for 20-Year LTL); requests a coverage amount greater than $500,000; or who requests a coverage amount that, when combined with other coverage obtained through QD/QD-Expedited UW, exceeds a $500,000 lifetime QD/QD-Expedited UW limit. If an applicant is not eligible for QD/QD-Expedited UW, New York Life will process the application with full underwriting, which may include a medical interview or exams. Please review our QD/QD-Expedited UW Frequently Asked Questions.

Underwritten by New York Life Insurance Company, NY, NY 10010 on group policy form GMR.

New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group insurance it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability. New York Life's state of domicile is New York, and NAIC ID # is 66915.

For more details on your life insurance options, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochures.

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

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