Here's Your Personalized Insurance Checkup

Life insurance can make a huge difference for your loved ones during an extremely difficult time. If you were to pass away unexpectedly, your family could struggle to afford life’s daily expenses. But how do you know if term life coverage is right for you?

Many people will choose term life insurance if they need coverage quickly or if their budget is tight. The initial rates this insurance coverage provides usually means you can purchase more coverage for your dollar.

Here is a quick summary:

• Apply for up to $1,000,000 in coverage.
• Renew each year without a physical exam—even if your health changes.*
• Portability, meaning you can retain your coverage even if you change jobs.*
• If you are under age 51 and apply for $250,000 or less in coverage, you may qualify for no medical exams, faster processing, and a quicker decision on your application.
• Rates may start off lower but will increase as you age.

How much coverage should I consider?

Many experts feel you should have 7–10 times your annual salary in coverage. The specific amount of coverage you select is up to you. If you have any questions, we’re happy to help! Just call us at 800.222.9958

*If you pay your premium when due, maintain your AIIT membership, and the group policy remains in force. Coverage ends at age 90.

Note: This monthly rate is based on your answers and a coverage amount of $100,000, which was determined based on the average of what other AIIT Professionals Insurance Program have in place. You can adjust your coverage amount during the application process.

The {{association.abbreviation}} Group Life Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Number {{products[0].gCode}}.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076

When we hear the word “disability,” we often think of tragic—but unlikely—accidents. The reality, however, is far different.

In fact, the most common reasons for long-term disability claims* include:

• Musculoskeletal disorders
• Cancer
• Injuries
• Mental health issues
• Circulatory (heart attack, stroke)

... just to name a few. But our disability income insurance can give you financial stability during a trying time so you can focus on recovering.

Here's what you need to know:

Choose the short-term coverage (benefits payable on the 31st day after disability begins) or the long-term coverage (benefits payable on day 31 or 91 after a disability begins); Select a monthly benefit amount up to $6,000 for the long-term plan and up to $2,500 for the short-term plan. Premium payments waived after six months while receiving Total Disability Benefits.**

*"Disability Statistics." Council for Disability Awareness, September 2021.

**Maximum waiver of premium period for short-term plan is 11 months.

The {{association.abbreviation}} Group Disability Income Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Number {{products[4].gCode}}.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076

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 policies 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.

10-year level term life insurance coverage can provide you a decade of protection, giving you peace of mind in knowing your family will have help being cared for after you're gone.

10-year level term life insurance is often recommended to take care of longer-term financial obligations you expect to tackle within the next decade, like paying off a mortgage or seeing your children through college. And since you’re locking in your premium for 10 years up front, your rates will remain level—meaning your premium won’t go up due to aging or health changes. After 10 years, premiums will increase as you reach higher age bands.

Here are some highlights:

• Pay one rate for the first 10 years
• Apply for up to $1,000,000 of coverage for you and your spouse
• Reapply for another 10 years of guaranteed premium when your term is up,¹ or continue your coverage at conventional rates without a physical exam
• Portability, meaning you can retain your coverage even if you change jobs²
• Keep your coverage until age 75

How much coverage should I consider?

Many experts feel you should have 7–10 times your annual salary in coverage. The specific amount of coverage you select is up to you. If you have any questions, we’re happy to help! Just call us at 800.222.9958

¹Provided you are under age 65 and otherwise eligible. If not, you can continue your coverage at conventional rates without a physical exam.

²If you pay your premium when due, maintain your AIIT membership, and the group policy remains in force.

The {{association.abbreviation}} Group 10-Year Level Term Life Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Number {{products[1].gCode}}.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076

If you or a family member is hospitalized, your savings could be significantly impacted by the out-of-pocket expenses not covered by health insurance. But with this coverage, you can help fill the gap. Benefit payments will be made to you directly to spend any way you wish.

Here are some benefits this coverage provides:

• Up to $100 a day for up to 365 days for each period of confinement
• Payments are made directly to you to spend however you wish
• Benefits begin on first day of hospitalization
• Benefits are doubled for covered confinement in an intensive care or coronary care unit
• Benefits equal to 50% of your selected benefit are payable for up to 180 days if you are confined to a convalescent facility after a hospital confinement of 15 days or more

The {{association.abbreviation}} Group Hospital Indemnity Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Number {{products[2].gCode}}.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076

Could you cover your business expenses if you became disabled? Personal disability insurance may not be enough to cover the expenses for you, your family, and your business. AIIT Group Professional Overhead Expense Insurance can help protect your personal savings from the devastating financial consequences a disability can bring.

Coverage Highlights:

• Up to $10,000 per month for up to 24 months of a covered disability
• Up to 100% of your eligible monthly office overhead expenses
• Waiting period of only 30 days
• Exclusively priced rates through group purchasing power of the Appraisal Institute

Eligible Office Expenses Include:

• Rent
• Mortgage payments on business premises (principal and interest)
• Employee salaries*
• Principal and interest on existing business loans
• Monthly average of taxes on premises
• Maintenance of existing business equipment
• Leasing costs for existing furniture and equipment
• Principal and interest for existing equipment
• Insurance premiums (pro-rated monthly)

*If a non-appraiser employee of the corporation is also a stockholder, the salary to the employee for duties regularly performed is an eligible expense as long as the salary is commensurate with those duties. If you are incorporated, a partner, or a joint tenant, coverage for overhead expenses only includes what you are responsible for paying. For complete details on eligible expenses and those that are not included, contact the administrator.

The AIIT Group Professional Overhead Expense Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Number {{products[3].gCode}}.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076

Rest easy for two decades knowing your 20-year level term life insurance coverage will help provide for your family if you pass away.

A 20-year level term life policy is a good choice if you’re going to have large financial obligations for many years to come. These obligations could include things like raising children, buying a home, and taking care of elderly loved ones. And since you’re locking in your coverage for 20 years up front, your rates are expected to remain level throughout your term—meaning your premium won’t go up due to aging or health changes. Premiums will increase as you reach higher age bands upon renewal.

Here's the rundown:

• Pay one rate for the length of the policy
• Apply for up to $2,000,000 of coverage for you and your spouse
• Reapply for another 10 or 20 years when your term is up,¹ or continue your coverage at conventional rates without a physical exam
• Portability, meaning you’ll retain your coverage even if you change jobs²
• Keep your coverage until age 75

How much coverage do I need?

Ideally, you should have 7–10 times your annual salary in coverage. Our recommendation errs on the conservative side as we want you to have an adequate amount of coverage. The specific amount of coverage you should purchase is up to you. But if you need assistance, we’re happy to help! Just call us at 800.222.9958, or select the option to send your portfolio to a representative and we’ll review your options with you.

¹Provided you are still eligible. If not, you can continue your coverage at conventional rates without a physical exam

²If you pay your premium when due, maintain your AIIT Professionals Insurance Program, and the group policy remains in force.

The {{association.abbreviation}} Group 20-Year Level Term Life Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Number {{products[2].gCode}}.

For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.

Arkansas Insurance License #1322

California Insurance License #0F76076