AAD Insurance

The American Academy of Dermatology in conjunction with Aon Affinity Insurance Service Inc. has custom-designed insurance programs to help protect you and your family's future.

Choose from various insurance programs including:

  • Level term life insurance
  • Group disability income insurance
  • Group business overhead expense insurance
  • Group accidental death and dismemberment (AD&D) insurance
  • Long-term care insurance
  • Business office package
  • Employment practices liability insurance
  • Health insurance options

General information

10-year and 20-year level group term life insurance*

The Academy has recently implemented new 10- and 20-year level term life products. These plans offer up to $1 million in coverage for members and $500,000 for spouses to provide families with the financial resources they may need to pay off a mortgage, settle debts or meet other financial obligations. Both plans also offer living benefits. Rates remain level for the 10- or 20-year term based on your age of entry into the plan.

Group disability income insurance*

Disability income insurance offers economical rates with protection you can rely on to help pay the bills after your short-term benefits are depleted. The plan helps minimize reduction of your hard-earned savings and may provide you with up to $10,000 per month in benefits. Choose a coverage level to create the best income replacement plan for yourself and your family.

Group business overhead expense insurance*

The need for quality coverage at reasonable premiums is our top priority in servicing Academy members. New rates also apply to the practice overhead expense coverage. The plan can pay up to $10,000 monthly during a covered disability to help provide the necessary funds for office expenses. The cost of coverage can be deducted as a business expense, under current IRS rules, if you're self-employed. This plan delivers quality protection for your practice and helps keep it open, even if you can't be there because of a disabling illness or injury.

Group accidental death and dismemberment (AD&D) insurance*

Academy members now have the option to purchase up to $500,000 of accidental death and dismemberment (AD&D) insurance coverage for themselves and their family members. In addition to basic coverage for loss of life due to an accident, this product provides value-added benefits and services to surviving dependents.

Long-term care insurance*

The long-term care insurance service is a perfect solution to the confusing world of long term-care coverage. Academy members, spouses and parents now have access to this service that offers long-term care policies from all of the major carriers. It allows the member to receive benefit comparisons and rates from three companies at once.

Business office package*

The business office package policy offers a complete selection of property and business liability coverage. Various options, deductibles and policy limits are available so that you can customize a policy to meet the specific needs of your office.

Employment practices liability insurance*

Employment-related losses are the fastest-growing of all liability claims. The Academy now offers cutting-edge coverage for employment-related lawsuits. The plan is specifically designed to meet the needs of today's employers and combines comprehensive coverage features, expert claims handling, and state-of-the-art risk-management services. Employment practices liability insurance covers lawsuits arising from exposures such as wrongful termination, sexual harassment, wrongful discipline, failure to promote, and age or gender discrimination.

Health insurance options

AAD members and their practices can now access comprehensive medical insurance from the nation's leading health insurers. A staff of licensed health insurance consultants is available to evaluate your current program and provide expert advice on selecting a small group or individual/family medical plan that meets your specific coverage needs.

* See your certificate for details including cost, exclusions, limitations and terms of coverage. Plans may vary and may not be available in all states.

Need more information?

For more information about AAD Insurance programs, visit our website at www.aad-insurance.com or call (888) 747-6866.