10-Year, 15-Year and 20-Year Level Term Life Insurance Plans

Why should you consider the ACS Group Level Term Life Insurance Plans?

As a surgeon you may have many financial obligations that have increased your need for life insurance. Help protect your family’s financial future, your home and the lifestyle you have worked hard for with the American College of Surgeons Group 10-Year, 15-Year, and/or 20-Year Level Term Life Insurance Plans. Apply for coverage under one, or more of the Level Term Life Insurance Plans to ensure that if you become terminally ill or die, your family will be able to help pay:

  • Mortgage payments
  • Medical bills
  • Funeral expenses
  • School loans
  • Children’s tuition

Here is what the ACS Group Level Term Life programs can offer you:

  • Rates guaranteed for 10, 15 or 20 years depending on the plan you choose and benefits that do not reduce for as long as you are covered
  • Base rates discounted 30%*
  • Coverage up to $4,000,000
  • Spouse coverage available up to $2,000,000
  • Includes an Accelerated Death Benefit
  • Valuable Package Discount available as well as Volume and Non-Smoker Discounts
  • Renewal options available allowing coverage to continue up to age 85 (depending on the plan you choose)

Available exclusively to eligible ACS members under 65.

Valuable Package Discount

You can receive a 25% Package Discount in addition to our already competitive rates. To qualify for this discount, you must be insured in at least one plan from each of the three coverage categories:

  1. Group Term Life: Level Term Life (10-, 15-, or 20-Year Term) and/or Traditional Term Life
  2. Group Disability Income Insurance: Long-Term Disability, Short-Term Disability, and/or Office Overhead Expense Disability
  3. Supplemental Group Coverages: Accidental Death and Dismemberment Insurance, Hospital Indemnity Insurance, and/or Supplemental Disability Insurance (for educational expense obligations)

The discount only applies to qualifying plans underwritten by New York Life Insurance Company.

*ACS authorized New York Life to discount the guaranteed base rates shown in the attached tables by 30%, making these rates even more affordable. Because the credit is based on actual experience, it cannot be promised or guaranteed beyond March 31, 2019. The ACS Trustees monitor the experience to help ensure a credit can continue beyond this date, although the % credit may change if experience warrants, however the base rates are guaranteed not to change for the initial term you elect.

                                                                                                                                                                                                                         ACS LTL0518

Underwritten by New York Life Insurance Company - Issued under Group Policy Form GMR {{In Texas Policy Form: G-29004-0/GMR-FACE (10-YTL); G-29006-0/GMR-FACE (15-YLT); G-29005-0/GMR-FACE (20-YLT)}}

Underwriting Requirements

All applicants must meet the New York Life underwriting requirements (satisfactory evidence of good health) to qualify. Neither the College nor the Insurance Trust participates in decisions concerning insurability of applicants. The Administrator follows the Insurance Company's medical underwriting guidelines to evaluate enrollment forms. Thus, all final decisions regarding insurability are the sole responsibility of the Insurance Company.

How New York Life obtains information and underwrites your request for insurance: NYL Important Notice

New York Life Group Insurance Plans Administered and Marketed by:

AmWINS Group Benefits, Inc.
P.O. Box 153054
Irving, TX 75015-3054

AR Insurance License No. 248910
CA Insurance License No. 0D28750
FL Insurance License No. L048174
TX Licensed Agent: Samuel Hamin Fleet, Lic. No. 1091381

New York Life Insurance Company's state of domicile is New York (NAIC ID # 55915) and is licensed/authorized to transact business in all the 50 United States, the District of Columbia and Puerto Rico.

© 2016 AmWINS Group Benefits, Inc. All rights reserved. | Privacy Policy