Level Term Life Insurance

Level Term Life Insurance provides physicians with solid, level protection - all for a cost that can comfortably fit your budget. Combined with its exclusive rates for physicians and high benefit amounts, this plan is a great way to help protect your loved ones if something should happen to you. "Level" means that your rate will remain the same, or level, for the initial term selected.

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View Frequently Asked Questions

Customize Your Level Term Life Coverage

  • Apply for a coverage amount in $1,000 increments from $100,000 up to a maximum of $4 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 for at least the first year of coverage.

Affordable Benefits for Families

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.

Cover Terminal Illness Expenses with Living Benefits

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.

New York Life Underwritten by:   
New York Life Insurance Company 
51 Madison Avenue, New York, NY 10010 
On Policy Form GMR-FACE/G-30612-0 (10 Year), G-30614-0 (15 Year), G-30615-0 (20 Year)
Under Group Policy No. G-30612-0 (10 Year), G-30614-0 (15 Year), G-30615-0 (20 Year)

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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.


Under Age 45?

Pure Term Life Insurance with QuickDecision℠ offers young physicians up to $1 million in protection while getting an answer quickly - often on the spot. 

Physicians Also Purchased

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

Helpful Resources

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

Exclusive with AMA Membership

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



If you'd like to speak to an Insurance Specialist simply call us toll-free or send us a message at team@amainsure.com. 

  Need to file a claim?

Current customers can contact our Customer Care team at 1-888-627-5883 (M-F, 8 a.m.-5 p.m. CT) or visit the Claims & Insurance Forms page for more information.

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