According to LIMRA International, many Americans are underinsured.¹ Chances are that you could be too.

Look around your home and your practice… do you believe you have the amount of life insurance in place to replace your income, maintain your family’s lifestyle, and provide for their future if you’re no longer there?

If you’re not sure, life insurance coverage should equal 5-10 times your annual income.² If your current coverage doesn’t fit within these general guidelines, then you may want to consider the AIA Trust Group 10-Year or 20-Year Level Term Life Insurance Plan.

With the plan, you can lock in your benefit amount and your rate for 10 or 20 years (whichever you choose)—making it easy to plan for and to maintain within your budget.

Plus, as an AIA member, you qualify for discounted group rates - view Rates tab for details.

Questions? Call toll-free 1-866-768-1075

¹LIMRA International, Generations at Risk, September 2008, www.limra.com/NewsCenter/PressMaterials/08LifeFacts.pdf. Viewed 1/22/09. ² MONEY.cnn.com, June 10, 2008.

Effective Date of Coverage: Insurance will take effect on the first day of the month on or following the date your application is approved, provided the initial contribution is paid within 31 days after you are billed and any person to be insured is performing normal activities of a person in good health of like age on the day of approval. If any dependent proposed for coverage is not performing his/her normal activities as required (the normal activities requirement does not apply to an eligible child). Coverage will not take effect until he/she is performing such activities provided such date is within three months after the date insurance would have been effective and the person is still eligible. For dependent insurance the applicant is an uninsured member or a survivor spouse on that day.

When Coverage Ends: Coverage will end when the insured person reaches age 70 (25 for children) or earlier if: (a) the premiums are not paid when due, (b) AIA membership ends, (c) the group plan is terminated or modified by the Policyholder to end insurance for the group of insureds to which the member belongs, and (d) if the insured requests to terminate insurance. In addition, dependent coverage will terminate when the dependent spouse or child ceases to be an eligible dependent.

Exclusions and Incontestability: Benefits are paid for death from any cause, at anytime, anywhere in the world (subject to the U.S. government regulations on restricted countries) except suicide which is not covered within 24 months of issue date of your coverage.

Missouri Residents: Benefits will not be paid for suicide within the first 12 months of coverage if New York Life can show suicide was intended at the time of application.

The validity of any amount of life insurance which has been in force for two years during an insured’s lifetime will not be contested except for insurance eligibility provisions and nonpayment of premiums.

Important Information from New York Life Insurance Company
New York Life Insurance Company reserves the right to request medical information to determine applicant’s medical eligibility for coverage. Based on the age of the person proposed for insurance and the amount of coverage requested, a physical examination, EKG, blood test or other information may be required. Not all applicants will have to supply additional information. However, if it is required, New York Life will arrange for an independent professional paramedic to contact you to perform these simple tests at your convenience. The exam and blood test are free-of-charge.

IMPORTANT NOTICE:
How New York Life Underwrites Your Request
for AIA Trust Group 10- & 20-Year Level Term Life Insurance
Information regarding insurability will be treated as confidential. In considering your request for insurance, we will rely on the medical information you provide, and on the information you authorize us to obtain from your doctor, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB (Medical Information Bureau). New York Life will not disclose such information to anyone except those you authorize or where required or permitted by law. We may make a brief report to MIB; however, we will not disclose our underwriting decision. Information in our files may be seen by New York Life and Plan Administrator employees, but only on a "need to know" basis in considering your request. Upon receipt of all requested information, we will make a determination as to whether request for insurance can be approved.

MIB is a nonprofit organization of life insurance companies which operates an information exchange on behalf of its members. When you apply for insurance or submit a claim for benefits to a MIB member company, medical or nonmedical information may be given to the Bureau, which may then be furnished to member companies. If we cannot provide the coverage you requested, we will tell you why. If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files.

Upon written request to New York Life or MIB, you will be provided with non-medical information. Generally, medical information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured. Your request is handled in accordance with the Fair Credit Reporting Act procedures. If you question the accuracy of the information provided by MIB, you may contact MIB and seek a correction. MIB's information office is MIB Inc., 50 Braintree Hill Park, Ste. 400, Braintree, MA 02184-8734, Telephone: (781) 751-6000. For Canadian Residents, the address is MIB Information Office, 330 University Ave., Ste. 500, Toronto, Canada, M5G 1R7, Telephone: (416) 597-0590. (TTY 1-866-346-3642 for hearing impaired.) For NM Residents: PROTECTED PERSONS (1) have a right of access to certain CONFIDENTIAL ABUSE INFORMATION (2) we maintain in our files and they may choose to receive such information directly. You have the right to register as a PROTECTED PERSON by sending a signed request to the Administrator at the address listed on the application. Please include your full name, date of birth and address.
(1) PROTECTED PERSON means a victim of domestic abuse: who has notified us that he/she is or has been a victim of domestic abuse; and who is an insured person or prospective insured person.
(2) CONFIDENTIAL ABUSE INFORMATION means information about: acts of domestic abuse or abuse status; the work or home address or telephone number of a victim of domestic abuse; or the status of an applicant or insured as family member, employer or associate of a victim of domestic abuse or a person with whom an applicant or insured is known to have a direct, close, personal, family or abuse-related relationship.

If we can provide the coverage you requested, we will inform you as to when such coverage will be effective. Under no circumstances will coverage be effective prior to this date. Payment of a premium contribution with your application does not mean that there is any insurance in force before the effective date as determined by New York Life.

Questions? Call toll-free 1-866-768-1075

The AIA Trust incurs certain administrative expenses in connection with this sponsored program. To provide and maintain this valuable membership benefit it is reimbursed for such expenses.
This information is only a brief description of the principal provisions and features of the AIA Trust Group 10- and 20-Year Level Term Life Plan. The complete terms and conditions, limitations and exclusions are set forth in the group policy issued by New York Life Insurance Company to the Trustee of the AIA Trust.

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