ACP members have access to exclusive content to help them learn more about the products available to them.

Call our Member Benefits team a call at 1-855-749-7908 (Mon-Fri, 5AM to 4PM, Mountain Time) to get started. They’ll guide you through the documents required for your specific product’s claim.

QuickDecision^SM allows you to get a faster decision on your application, usually without requiring a medical exam. This is done by asking health questions online along with gathering secure data sources such as prescription, medical claims history, and motor vehicle reports. Eligibility factors include coverage amount, age, and state availability.

Yes, for these reasons:

Many internal medicine physicians find that as their income has increased over time, the level of disability protection they carry hasn’t kept pace. Your current Disability Insurance may no longer be enough to help cover the living expenses that would continue should you become totally disabled. Disability is a great way to bring your total disability coverage more in line with your current income; this can help you avoid having to deplete savings and investments intended for other purposes, including retirement, if a disability should prevent you from working.

Any monthly benefit received through an employer-paid policy is likely to be taxable, reducing the amount available for you to have and apply to your living expenses. In contrast, your disability benefits are typically not subject to income taxes when you pay the premiums with your own after-tax dollars. Consult your tax advisor.

Unlike many employer-provided policies, this coverage is yours to keep without interruption, even if you change jobs or start your own practice. This policy adds an extra layer of protection that you control, and it will move with you throughout your career.

Our member-exclusive rates are based on a history of favorable claims experience with ACP members. You can also take advantage of a 20% premium credit, although not guaranteed and subject to change, the Level Term Life Insurance program for ACP members has returned premium credits for several years.

With Level Term Life Insurance, you can lock in your premium so it’s guaranteed to stay the same for your initial term of 10 years, giving you the reassurance that if your loved ones unexpectedly lost you, they would at least have the financial help of the insurance benefit you have arranged.