Group Critical Illness Insurance

The physical and emotional effects of a critical illness on you and your loved ones can make you feel like you have no control over your own life. It's why your doctor will strongly recommend you have a solid support system in place to help you cope with such an overwhelming occurrence.

Many have touted the importance of a strong support system during times of serious illness, believing it can help speed recovery, cultivate hope, and improve patients' overall well-being.1 AIIT-Endorsed Group Critical Illness Insurance can help provide the support you'll need to deal with an unexpected illness and help cover the substantial healthcare costs associated with it. Focus on what you can control and put a support system in place so you can get well faster and stay healthy longer.

Why Do I Need Critical Illness Insurance?

Healthcare costs are constantly rising. This coverage can supplement your existing health insurance and help cover those hidden expenses that add up, like co-pays, deductibles, prescriptions, and treatment or travel to consult specialists. Most patients recovering from a critical illness need time off work as well. We can support you by offering:

  • Simplified issue: answer only a few health questions; no physical exam or medical tests required
  • Coverage amounts: up to $100,000 per critical illness ($200,000 for two separate, distinct illnesses)
  • Flexible cash benefit: use at your own discretion
  • No benefit cutbacks: your benefit amount will not decrease with age

AIIT-Endorsed Group Critical Illness Insurance can provide benefits for the following critical illnesses:

  • Cancer
  • Heart attack
  • Major organ transplant
  • Renal failure
  • Stroke

Insureds may receive benefits for no more than two separate and distinct critical illnesses.* There is a limited benefit available, up to $25,000, for cancer in situ (a localized state). Please refer to the brochure for a detailed explanation of each critical illness covered.

*The second instance coverage is subject to a 6-month waiting period after the first diagnosis.

The Good News. And the Not-So-Good News.

Life expectancy in the U.S. was 77.3 years in 2020.2 With increased life expectancy, however, there are diseases and conditions that threaten health. Consider…

  • About 1 in 5 heart attacks is silent—the damage is done, but the person is not aware of it.3
  • About half of all Americans (47%) have at least one of the three risk factors (high blood pressure, high cholesterol, tobacco use) for heart disease.3
  • Heart disease and stroke cost our health care system $214 billion per year.3

Current health statistics are sobering, we know. But staying informed is the best way to reduce fear and anxiety whether you're critically ill, or vigorously healthy.


AIIT professionals and their spouse or domestic partner under age 70 may apply for benefit amounts from $5,000 to $100,000 in $5,000 increments.* Spouse coverage must be less than or equal to member coverage.

*The covered person must survive for 15 days following the date of diagnosis to be eligible for benefits.


This policy is underwritten by New York Life Insurance Company. This is a brief summary of benefits only and is subject to the terms of Group Policy No. G-13778-0. More information including features, costs, eligibility, renewability, limitations, and exclusions can be found in the brochure. Coverage may vary or may not be available in all states.

30-Day Free Look: If you're 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 receive a full refund–no qeustions asked!


1"Social support: Tap this tool to beat stress," Mayo Clinic, Web. 29 August 2020.

2"Provisional Life Expectancy Estimates for 2020," Vital Statistics Rapid Release,, July 2021.

3National Center for Chronic Disease Prevention and Health Promotion. "Chronic Diseases in America." Centers for Disease Control and Prevention, 12 January 2021.

Applying Is Easy!

No physical exams. No medical tests. No kidding.

Apply Online!

Answering just a few questions is all it takes. Apply online for faster processing.


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The AIIT Group Critical Illness Plan is Underwritten by:

New York Life Insurance Company

51 Madison Avenue
New York, NY 10010
under Group Policy No. G-13778-0
on Policy Form GMR-FACE/G-13778-0