Four Ways Life Insurance Helps Protect the People You Love
You might be surprised by how HPSO life insurance coverage for APTA members from New York Life Insurance Company can provide for physical therapists and their families.
Who are the people you love? Your children, parents, siblings, spouse or significant other—the people who make you smile, the ones who support you, the ones whose futures you want to be bright. These are the people life insurance was made for.
You can’t put a price on love, but providing for the ones you care about most, when it’s needed most, can make all the difference.
Provide income for loved ones when they really need it. Life insurance can’t replace you, but it could replace some or all of your income if your family were to lose you. In the immediate term, it can cover the cost of funeral expenses, pay off debts and help defray day-to-day expenses like food, clothing and housing. Longer term, life insurance can help finance college tuition or even ensure your spouse or partner’s retirement dreams are realized. Life insurance is about enhancing the lives of your loved ones now and in the future.
Meet essential household needs. Think of all the work parents do at home to run a household and care for the family. It’s invaluable—and insuring all they do is, too. Life insurance can pay for vital household services like childcare, transportation and chores, to make the day-to-day lives of those you hold dear more secure in the event a provider is no longer around.
Gain benefits you can use during your lifetime. When life puts unforeseen challenges in your way, you need all the help you can get. Optional riders can help you customize the right type of coverage for you. With HPSO life insurance, there are many features built in that may help address your needs.
- Living benefits provide you with up to 50% of your life insurance benefit while you’re living if you suffer a qualifying chronic illness. You get money you can use when and as you wish to help defray costs resulting from a chronic illness or a permanent cognitive condition, while leaving the remaining benefit to your beneficiaries.
- Your ability to earn income as a physical therapist is one of your most valuable assets. The Waiver of Premium rider lets you continue coverage without paying the premium if you become seriously ill or disabled and are unable to earn an income.
Leave a lasting legacy. Life insurance can create a financial legacy, funding the futures and fueling the dreams of the people you choose. From supporting a favorite nonprofit to starting a scholarship program, the legacy you leave behind is up to you. But you need adequate funds to make a real difference. Life insurance can provide the assets you need to improve the lives of others in your name.
Easily apply for life insurance online, typically with no medical exam
To save you time and hassle in helping safeguard what matters most, we’ve worked with New York Life Insurance Company to simplify your application process for up to $250,0001 of Term Life Insurance for APTA members.
- An online calculator lets you choose a monthly cost you’re comfortable with and instantly see how much coverage it can buy. Plus, now APTA members can save 25% in the form of a premium credit!2
- Apply online in minutes – in most cases, members and spouses under age 50 applying for $250,000 coverage or less will not require a medical exam.
- Up to $1 million of Group Term Life Insurance, and up to $2 million of Group Level Term Life Insurance available (full medical underwriting may apply for higher amounts).
- You’ll have the option to lock in your cost at your current age for as long as 20 years (depending on which policy you select).
(No need to provide an email address or phone number to see your cost.)
Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Group Policy Form GMR.
1 In most cases, no medical exam is needed (just answer a few health questions) for applicants under age 50 applying for up to $250,000 Group Term Life ($200,000 for Level Term Life). If an exam is required, it will be scheduled at your convenience and at no cost to you. Higher coverage amounts are available.
2 Premium credits are not guaranteed. The current credit of 25% for Group Term Life Insurance is in effect through 6/30/26 and will be reflected on your premium statements.
3 Including information on features, costs, eligibility, renewability, limitations and exclusions.
7943134.1
Four Ways Life Insurance Helps Protect the People You Love
You might be surprised by how HPSO life insurance coverage for APTA members from New York Life Insurance Company can provide for physical therapists and their families.
Who are the people you love? Your children, parents, siblings, spouse or significant other—the people who make you smile, the ones who support you, the ones whose futures you want to be bright. These are the people life insurance was made for.
You can’t put a price on love, but providing for the ones you care about most, when it’s needed most, can make all the difference.
Provide income for loved ones when they really need it. Life insurance can’t replace you, but it could replace some or all of your income if your family were to lose you. In the immediate term, it can cover the cost of funeral expenses, pay off debts and help defray day-to-day expenses like food, clothing and housing. Longer term, life insurance can help finance college tuition or even ensure your spouse or partner’s retirement dreams are realized. Life insurance is about enhancing the lives of your loved ones now and in the future.
Meet essential household needs. Think of all the work parents do at home to run a household and care for the family. It’s invaluable—and insuring all they do is, too. Life insurance can pay for vital household services like childcare, transportation and chores, to make the day-to-day lives of those you hold dear more secure in the event a provider is no longer around.
Gain benefits you can use during your lifetime. When life puts unforeseen challenges in your way, you need all the help you can get. Optional riders can help you customize the right type of coverage for you. With HPSO life insurance, there are many features built in that may help address your needs.
- Living benefits provide you with up to 50% of your life insurance benefit while you’re living if you suffer a qualifying chronic illness. You get money you can use when and as you wish to help defray costs resulting from a chronic illness or a permanent cognitive condition, while leaving the remaining benefit to your beneficiaries.
- Your ability to earn income as a physical therapist is one of your most valuable assets. The Waiver of Premium rider lets you continue coverage without paying the premium if you become seriously ill or disabled and are unable to earn an income.
Leave a lasting legacy. Life insurance can create a financial legacy, funding the futures and fueling the dreams of the people you choose. From supporting a favorite nonprofit to starting a scholarship program, the legacy you leave behind is up to you. But you need adequate funds to make a real difference. Life insurance can provide the assets you need to improve the lives of others in your name.
Easily apply for life insurance online, typically with no medical exam
To save you time and hassle in helping safeguard what matters most, we’ve worked with New York Life Insurance Company to simplify your application process for up to $250,0001 of Term Life Insurance for APTA members.
- An online calculator lets you choose a monthly cost you’re comfortable with and instantly see how much coverage it can buy. Plus, now APTA members can save 25% in the form of a premium credit!2
- Apply online in minutes – in most cases, members and spouses under age 50 applying for $250,000 coverage or less will not require a medical exam.
- Up to $1 million of Group Term Life Insurance, and up to $2 million of Group Level Term Life Insurance available (full medical underwriting may apply for higher amounts).
- You’ll have the option to lock in your cost at your current age for as long as 20 years (depending on which policy you select).
(No need to provide an email address or phone number to see your cost.)
Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Group Policy Form GMR.
1 In most cases, no medical exam is needed (just answer a few health questions) for applicants under age 50 applying for up to $250,000 Group Term Life ($200,000 for Level Term Life). If an exam is required, it will be scheduled at your convenience and at no cost to you. Higher coverage amounts are available.
2 Premium credits are not guaranteed. The current credit of 25% for Group Term Life Insurance is in effect through 6/30/26 and will be reflected on your premium statements.
3 Including information on features, costs, eligibility, renewability, limitations and exclusions.
7943134.1
