AVMA LIFE Group Life Insurance

What Is It?

AVMA LIFE Group Level-Term Life Insurance can help provide financial support to your loved ones if you pass away. Your premiums are expected to remain level for the length of the level-term you choose (either 10 or 20 years), and your death benefit remains the same for the duration of coverage.

Who Should Consider It?

Many people are attracted to the unchanging rates a level-term life insurance policy can provide. You may pay a bit more at the outset than you would with our Family Group Life Insurance policy, but you'll likely save money on rates in the long run. For this reason, this coverage is often recommended for those who need to cover longer-term financial obligations, like a mortgage or getting a kid through college.

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What Is It?

AVMA LIFE Family Group Life Insurance is an annually renewable term life policy. So, if you pay your premium when due, you can renew your coverage each year without a physical exam, even if your health changes. Rates may start out lower for this coverage when compared to other types of insurance, but your premium will increase as you age. Your death benefit will remain the same until age 75 when it reduces by 50%, and you can keep your coverage in place until age 80.

BONUS! Our Family Group Life Insurance offers the QuickDecision℠ underwriting process. If eligible,* you'll provide medical history online and can receive an underwriting decision as soon as today.

Who Should Consider It?

If you need coverage quickly or your budget is tight, our Family Group Life Insurance policy may be the right fit. Lower initial rates means you can purchase more coverage for your dollar. But because premiums increase as you age, it's often recommended for those who need to cover short-term debts rather than long-term ones.

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What Is It?

AVMA LIFE 45+ Term Life Advanced Insurance is especially designed to help meet the needs of mature AVMA members. Because people have a greater chance of developing a serious illness as they age, the policy includes coverage for terminal, chronic, and critical illnesses. This means that if you suffer a covered condition, you can receive a cash benefit while you're still living to help mitigate the financial impact. This cash benefit would be deducted from your death benefit (not to exceed 75% of the total). Like our Family Group Life Insurance, this coverage can be renewed annually without a physical exam, and rates increase as you age.

Who Should Consider It?

If you're over age 45 and having a living benefit feature is important to you, our 45+ Term Life Advanced Insurance may be the right fit. It includes coverage for certain critical, chronic, and terminal illnesses, which become more likely the older you get. It costs more than our other coverages, but having a living benefit feature may make the extra cost worth it. Plus, a medical exam or doctor's visit is not required to apply, so if you're not in optimum health, this coverage may be a valuable option.

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