Guaranteed Acceptance
As long as you are a full-time practicing physician age 50 through 70, you are guaranteed acceptance for $25,000 coverage with no medical underwriting or health questions to answer. Your spouse or domestic partner, age 50 through 70, is also eligible to apply for this coverage.
Face-value Coverage
During the first two years of coverage, the full benefit amount will be paid for accidental death. If death occurs during the first two years due to suicide, any premiums paid will be returned to the beneficiary. After coverage has been in force for two years, the full benefit amount will be paid for death due to accident or illness (any cause). Benefits do not reduce due to age.
Accelerated Death Benefits
After the first two years of coverage, the accelerated benefit offers 60% of your benefit amount early if you're diagnosed with a terminal illness and have been given a life expectancy of six months or less. Upon your death, your beneficiary will receive the remaining benefit amount. Certain exclusions apply as described in the Certificate of Insurance. Accelerated benefits may be taxable. Consult your personal tax advisor.
Fast Benefit Payment
AMA Insurance Agency, Inc. provides concierge service to help assure the quickest benefit payout possible. In many cases, the benefit check may be paid in just a few days and with minimum documentation.

If you are an actively engaged full-time physician age 50 through 70, you and your spouse or domestic partner are each eligible to apply for coverage.

Your coverage will become effective on the 1st or 15th of the month coinciding with or next following the date your application is approved by United States Life Insurance Company in the City of New York. Coverage will be in force from the effective date, provided the premium is paid when due. You must be able to perform the normal activities of a person of like age and sex with like occupation or retired status on the date your insurance is to take effect. If you are not, such insurance will take effect on the day you resume such activities.

You can renew your coverage through age 94. Coverage will end earlier if the group policy ends, or you fail to pay the premium when due.

Within the first two years of coverage, no benefits will be paid for any loss that results directly from or is caused directly, indirectly, wholly or partly by: suicide; a physical or mental sickness or treatment of that sickness; or voluntary intake of poison, drugs, gas or fumes, unless taken as prescribed by a physician. Suicide committed within the first two years of coverage is limited to a refund of total premiums paid plus interest. The insurance carrier will not use a person's statements relating to his/her insurability, other than fraudulent misstatements, to contest life insurance after the coverage has been in force for 2 years during his/her life.

This plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC#70106, domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY, 10281, licensed in all states, plus DC, except PR. This is a brief summary of benefits only and is subject to the terms, conditions, exclusions, and limitations of Group Policy No. G-610,331, Form No. G-19000. Coverage may vary or may not be available in some states.

NOTICE FOR RESIDENTS OF MISSOURI: The policyholder of the group master policy for this insurance plan is the Trustee of the American Medical Association Group Insurance Trust.  The banking institution that serves as the Trustee receives a reasonable fee in return for performing this service.

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