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AVMA LIFE Educational Resources

Discover the Graduate Guarantee Issuance Program

Posted on 10/6/2017 by AVMA LIFE in Students SAVMA Insurance Graduate Guarantee Issuance
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After countless lectures, exhausting exams, and all-night study sessions, you're close to earning your DVM. What comes next? A well-rounded guaranteed issue insurance portfolio—courtesy of the Graduate Guarantee Issuance Program from the AVMA LIFE Trust.

Helps protect your income if you suffer a covered disability, including maternity.

Guaranteed Issue Benefit

  • Short-term (6 months): $500/month
  • Long–term: $2,500/month
  • Future purchase option: $1,500/month

Can help pay for your student loans if you suffer a covered disability

Guaranteed Issue Benefit

  • Up to $500/month with up to five years of maximum benefits

Helps take care of your family if you are gone, so they don't get burdened with your student debt.

Guaranteed Issue Benefit

  • You: $100,000
  • Spouse/Domestic Partner: $50,000
  • Eligible Children: $5,000 or $10,000 each

Customized for veterinarians. Includes a package of insurance to help you get started in your career.

Guaranteed Issue Benefit

  • Includes Long-Term Disability, Decreasing Term Life, Accidental Death & Dismemberment, and $600 Rabies Prophylaxis Benefit

Can pay you in addition to your life insurance policy for a covered accident.

Guaranteed Issue Benefit

  • You: $100,000
  • Spouse/Domestic Partner: $50,000

Helps you pay for days of covered hospitalizations or outpatient surgical procedures. Maternity Benefits (for normal pregnancy) available after you have been continuously insured for 9-months.

Guaranteed Issue Benefit

  • Up to $100/day for you and your eligible dependents

Someday you may want to own a practice, and POE can help pay for your business expenses while you are unable to work due to a covered disability

Guaranteed Issue Benefit

  • $300/month to cover the cost of running your practice when you can't work due to a covered disability

Can pay lump sum benefit upon diagnosis of specific diseases.

Guaranteed Issue Benefit

  • You: $10,000
  • Spouse/Domestic Partner: $5,000

Our Graduate Guarantee Issuance Program requires no medical underwriting. The above is only a brief description of the coverages that will be available to SAVMA Graduating students for a limited time when they graduate.

For more information about each products features, costs, eligibility, renewability, exclusions, and limitations, contact your school agent or visit the Students section of avmalife.org.

*Graduate Guarantee Issuance Program includes only the plans listed in the above chart: Disability Income, Term Life, Professional Overhead Expense, Accidental Death & Dismemberment, Basic Protection, Supplemental Disability, Critical Illness, and Hospital Indemnity. These coverages are underwritten by New York Life Insurance Company (NY, NY 10010) on Policy Form GMR. Higher amounts of coverage/benefits may be applied for, but will be subject to satisfactory evidence of insurability and insurance company approval. All plans may not be available in all states.

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