45+ Term Life Advanced Insurance

Life insurance may seem less important as you reach the later stages of your career, but even empty nesters and retirees can benefit from this protection. If you still have financial obligations, such as a mortgage, could your spouse/domestic partner afford to cover it without your support?

AVMA LIFE Trust's 45+ Term Life Advanced Insurance is specifically designed for members ages 45 and older, and can help ensure a high quality of life for your loved ones.  The benefit can be used to help:

  • Offset the loss of your retirement income for your spouse/domestic partner
  • Pay for funeral costs
  • Meet ongoing living expenses
  • Pay estate and inheritance taxes
  • Pay off outstanding debt, including car loans and the mortgage

Plan Overview

  • Wide-range of coverage amounts: Choose any amount you need, from $25,000 to $100,000 in $1,000 increments
  • Discounted rates for non-smokers: If you haven’t used nicotine in the last 12 months, you may qualify for a select Non-Smoker premium
  • Living Benefits feature included: This feature provides financial support if you experience a qualifying terminal illness, a chronic illness, or a permanent critical condition
  • Spouse/domestic partner coverage available: Apply for up to $100,000 for your lawful spouse/domestic partner

For additional details, including features, costs, eligibility, renewability, exclusions, and limitations, refer to the 45+ Term Life Advanced 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.

45+ Term Life Advanced Brochure

45+ Term Life Advanced Flyer

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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.