Level Term Life Insurance

Cats may have nine lives, but you only have one. Could your family maintain their quality of life if that one life was taken? Without your income support, important financial needs like daily living expenses and long-range financial goals would likely be difficult, if not impossible, to meet.

Now Available: No-Exam Life Insurance
Has COVID-19 caused you to reexamine your need for life insurance? Now is the time to act. Members under age 40 can apply for up to $750,000 and members ages 40 through 49 can apply for up to $500,000 of group life insurance without a medical exam or lab visit.*

Age 50 or over? Your medical records and/or recent lab work may be accepted as a safer alternative to an in-person appointment. When New York Life contacts you regarding the medical requirements, let them know if you wish to discuss these alternate options.

Act now to ensure you don't miss out!

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*Please refer to the disclosures page for more details on the application process.

Level Term Life Insurance through the AVMA LIFE Trust helps provide financial support for your family when you no longer can. The benefit can be used to help:

  • Pay for funeral costs
  • Meet ongoing living expenses
  • Pay off outstanding debt, including car loans and the mortgage
  • Finance future needs like a college education

"It's the best coverage I’ve found. I've kept it for over 30 years."
—Dr. Richard L. Runyon, Eastridge Animal Center

The experiences of the individual described herein may not be representative of the experiences of all clients.

Plan Overview

  • Level coverage and rates: Your benefit amount will never decrease, and rates are expected to remain level for the initial term of your 10- or 20-year coverage
  • Wide-range of coverage amounts: Choose any amount you need, from $100,000 to $2,000,000 in $10,000 increments
  • Lower rates for a healthy lifestyle: You may qualify for our Super Preferred Non-Smoker rates if you can meet stricter underwriting standards, which presents substantial savings compared to the already affordable Preferred Non-Smoker and Non-Smoker rates
  • Spouse/domestic partner and dependent coverage available: Apply for up to $1,000,000 for your spouse/domestic partner, and either $5,000 or $10,000 for your eligible dependent
  • Accelerated death benefit included: Withdraw up to 50% of your death benefit before your passing if you are diagnosed with a terminal illness
  • Optional Accidental Death and Dismemberment Coverage: You can apply for up to $200,000 of coverage for yourself, and up to $100,000 for your spouse/domestic partner

For additional details including plan features, costs, eligibility, renewability, exclusions, and limitations, refer to the 10-Year and 20-Year Level Term Life Insurance brochure.


It has never been easier to apply for coverage through the AVMA LIFE Trust. Click the button below to obtain the coverage you can trust.

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Read on to see if this coverage is right for you.

10 and 20-Year Level Term Life Brochure

10 and 20-Year Level Term Life Highlights

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New York Life Insurance Company, NY, NY 10010 on group policy Form GMR. New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability. New York Life’s state of domicile is New York, and NAIC ID # is 66915.

NYL - 1821486