Life Insurance

Wherever you are in your medical career–medical school, residency, practicing or looking ahead to retirement, we offer an exclusive portfolio of life insurance plans with benefits and rates tailored to physicians. Offered by AMA Insurance and underwritten by The United States Life Insurance Company in the City of New York.

Level Term Life Insurance

  Call for a quote: 1-800-558-4300 (M-F, 8 a.m.-7 p.m. CT)

  Calculate Quote Ways to Apply   Ways to Apply  

Level Term Life Insurance provides solid, level protection - all for a cost that can comfortably fit your budget. "Level" means that your rate will remain the same, or level, for the initial term selected.

AMA Insurance offers Level Term Life that is physician-exclusive. You've worked hard to achieve what you have, now help preserve it. Combined with its exclusive group rates for physicians and high benefit amounts, this plan is a great way to protect your loved ones if something should happen to you.

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Customize Your Level Term Life Coverage

  • Apply for a coverage amount in $1,000 increments from $100,000 up to a maximum of $2 million
  • AMA Insurance offers Level Term Life that maintains the coverage amount you select at a fixed rate for your choice of 10, 15 or 20 years
  • AMA members receive an 8% rate reduction

You can add coverage for your spouse or domestic partner at the same affordable physician rates. Spouses or domestic partners can apply for Level Term Life coverage even if you choose not to apply. Add $25,000 in coverage for each eligible child for a flat rate of $60 a year. The Level Term Life plan includes a renewability option should you wish to continue your family's protection beyond the original term.

During your coverage, you may also request living benefits (also referred to as “ accelerated benefits”). This allows a terminally ill insured to receive a significant amount of his or her death benefit in a lump sum to help cover expenses during such a difficult time. Please note: Living Benefits may be taxable. Please consult with your personal tax advisor for details.

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Ways to Apply

Apply Online

Visit our enrollment site to apply online

Apply Online
Apply by Mail

Select your state and download an application to apply by mail.

Apply by Phone


Hours: 8 am – 7 pm CT Monday – Friday

  Apply by Phone:

(8 am – 7 pm CT, M – F)

Looking for More Coverage?

Preferred Term Life Insurance offers up to $3 million in protection and is renewable up to age 75.

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DisabilityPro Insurance provides up to $15,000 in monthly benefits with own-specialty coverage.

Helpful Resources

The three phases of insurance planning - who needs what and when? Determine your insurance needs based on your age.

Exclusive AMA Member Discounts

Loans and financial service offerings: Special discounts on home loans, student loans, and credit cards.



If you'd like to speak to a Customer Care Specialist, simply call us toll-free 8 am— 5 pm CDT, Monday — Friday or send us a note. You can also submit a request to receive more product information by mail.

  Need to file a claim?

Current customers can contact our Customer Care team at the number listed above or visit the Claims & Insurance Forms page for more information.

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By clicking "continue," you will be taken to the AMA-sponsored Level Term Life Insurance Plan online enrollment website maintained by the trusted plan underwriter.

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