Group Accidental Death & Dismemberment Insurance

Helping You Survive Financially Through A Tragic Event

Terrible accidents happen. And they affect more than just your health. That is why The American College of Obstetricians and Gynecologists provides members an Accidental Death and Dismemberment Insurance Plan—with coverage amounts up to a maximum of $500,000—designed to provide supplemental funds that you or your family members might need during difficult and trying times.

This product is not available in NH, OR, VT, and WA.

Frequently Asked Questions

Who is eligible for this insurance?

All ACOG active dues-paying members in good standing under age 70, their lawful spouses under age 70, and their unmarried dependent children under age 23 are eligible. In addition, you must be a resident of the U.S. (except NH, OR, VT, and WA); Puerto Rico; or Canada (except Quebec) and cannot be at Active Duty in the Armed Forces full-time.

How much insurance can I request?

Coverage is available from $100,000 all the way up to $500,000 (in increments of $25,000). With competitive rates and high-limit options, you are offered realistic options to gain this valuable insurance protection. You can also cover your entire family for only a moderate amount more than if you were just insuring yourself.

  • If you select the Family Plan, your spouse will be covered for 50% of your full benefit amount and your eligible children will be covered for 20% of your full benefit amount.
  • If you have no dependent children or if no eligible children are insured, your spouse’s benefits increase to 60% of your full benefit amount.
  • If you are a single parent, or if only you and your dependent children are insured, each insured child’s benefits increases to 25% of your full benefit amount.

How do I calculate the rate on an Accidental Death & Dismemberment Insurance plan?

See brochure for Benefit Levels and Seminannual Rates.

When is the coverage effective?

Your coverage becomes effective the first day of the month after your application is approved by New York Life Insurance and first premium payment is received when due. For dependent insurance to take effect, you must be an insured member.

Are there any exclusions?

Yes, Accidental Death & Dismemberment Insurance does have exclusions and limitations. Please reference the brochure for more information.

Can coverage continue if I am out of the country?

Call Pearl Insurance for more details as coverage varies depending on the plan.

What if I have second thoughts after I apply?

When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the Plan. If you are not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated and you will be sent a full refund—no questions asked!

Who administers the program?

ACOG's Group Insurance Program is administered by Pearl Insurance. Pearl Insurance strives to provide members with the most relevant, competitively priced member benefit insurance packages for individuals and their families. Pearl Insurance has been providing associations like ACOG with quality group coverage for over 65 years.

Who is this plan underwritten by?

ACOG Group Accidental Death & Dismemberment Insurance is underwritten by New York Life Insurance Company (New York Life). This plan is underwritten by New York Life Insurance Company, under Group Policy No. G-10500-1, on Policy Form GMR-G-10500-1/FACE.

New York Life is a leader in the association group insurance field, providing life and health insurance plans for associations. The company has an enduring commitment to its customers' financial security. Regardless of the state of the economy or the stock market, New York Life bases its financial decisions on the guiding principle of serving its clients. New York Life Insurance Company has received the highest ratings for financial strength currently awarded to any U.S. life insurer by all four major rating agencies including Moody’s Investor Service (Aaa), Standard & Poor’s (AA+), Fitch Ratings (AAA), and A.M. Best (A++).*

New York Life is licensed/authorized to transact business in all 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.

For more information, including features, costs, eligibility, renewability, limitations, and exclusions, reference the Group Accidental Death & Dismemberment brochure and rates found on this webpage.

*Individual Third Party Ratings Reports (as of 9/12/19)

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