Group Term Life Insurance

All ACP Members under age 60, their lawful spouse under age 60, and unmarried dependent children ages 15 days through 25 years.

Insurance will take effect on the date your application is approved by New York Life Insurance Company provided the initial contribution is paid within 31 days after the date you are billed (send no money now), and any person to be insured is actively performing the normal activities of a person in good health of like age [NC residents: a person of like age] on the date of approval.

Any person who is not performing his/her normal daily activities as required will not become insured until the day he/she is performing such activities provided such date is within three months of the date insurance would have been effective, and the person is still eligible.

A secure, fast and easy way to apply online for Group Term Life coverage. You can apply for amounts up to $1,000,000 with typically no medical exam required – just answer health questions online along with gathering secure data sources such as prescription, medical claims history, and motor vehicle reports.

Coverage ends when the insured person reaches age 75 (26 for children) or if premium contributions are not paid when due, or if the insured requests to terminate insurance. AD&D coverage ends when the insured member begins full-time active duty in the armed forces.

For the Group Term Life Insurance coverage, the only exclusion is suicide. Benefits are paid for death from any other cause, at any time, anywhere in the world except suicide, within 12 months from the issue date, whether sane or insane.

The validity of any amount of your 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 premium contributions. 

No benefit will be payable for any loss that occurs during or is due or related to: military service; your incarceration for or your participation in (except as a victim) an illegal occupation/activity or the commission of a crime; your voluntary intake of drugs, narcotics or alcohol (unless taken as prescribed by a physician); any declared or undeclared war or act thereof; or operating, riding in or descending from any aircraft except when riding as a passenger on a licensed, non- military aircraft; a physical or mental sickness or medical/surgical treatment thereof; or suicide or intentionally self-inflicted injury while sane or insane.

Yes, the policy provides conversion privileges under certain circumstances of involuntary termination, as described in the Certificate of Insurance.

If you become totally disabled for at least six consecutive months before age 60, your premiums will be waived until you are no longer disabled.

Call or write the Administrator for claim forms. Contact ACP Member Insurance Program Customer Service at 1-855-749-7908.

When you become insured, you will be sent a Certificate of Insurance, summarizing your coverage. This website is only a brief description of some of the policies principal provisions and features. The complete terms are set forth in the group policy issued by New York Life Insurance Company to the Trustees of the American College of Physicians, Inc. Insurance Trust.

If you’re not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated, and you will be sent a full refund, no questions asked!

Yes, Group Term Life is endorsed by ACP.

The ACP Insurance Trust incurs costs in connection with this sponsored Program. To provide and maintain this valuable membership benefit, it is reimbursed for these costs.

Administered by:
A.G.I.A., Inc.
P.O. Box 9947
Phoenix, AZ 85068-9952

A.G.I.A., Inc. is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. Joseph Guerrero CA Insurance License #0B54298. Joseph Guerrero AR Insurance License #766720.