The insurance products available exclusively to ACS Members through the ACS Insurance Program are a key member benefit and offer excellent value! Over 9,800 ACS members currently have coverage with one or more plans. Please review our extensive list of offerings and consider participating in this member-exclusive program today!
Complimentary Insurance Concierge Service Considering purchasing insurance? Not sure what you need? Have questions? Our insurance administrator, Amwins Group Benefits, LLC. has licensed and trained insurance concierge staff to assist you, Monday through Friday. When you contact the insurance program, you will be assigned a personal concierge who will be happy to assist you and you are under no obligation! Call them now at 1-800-433-1672 or send them an email: acsconcierge.gb@amwins.com
The following group products within the ACS Insurance Program are underwritten by New York Life Insurance Company, one of the largest and most respected insurance companies in the nation and known for its financial strength.
Term Life Insurance
No one wants to think about Life insurance, but if someone depends on you financially or perhaps you have debt or loans, Life insurance is a valuable component to help protect your loved ones, cover funeral costs or simply pay your outstanding debt. We have 4 Life coverages that are designed meet your needs at any stage of life.
Level Term Life: 20-Year, 15-Year or 10-Year
Level Term Life Insurance is protection that can help ensure your family’s financial future with rates guaranteed to remain level for the initial 10, 15, or 20 years with coverage up to $4,000,000 that also remains level until termination at age 85 (20-Year; 15-Year is age 80 and 10-Year is age 75).
Traditional Term Life
Help secure your family’s financial future with Traditional Term Life Insurance, which currently offers you discounted rates up to 48% and coverage amounts up to $4,000,000. Coverage reduces in half at age 65 and terminates at age 100.
Long-Term Disability
In the event you lose your ability to practice due to a covered disabling sickness or injury, the ACS Long-Term Disability coverage offers monthly benefits up to $20,000 and is specialty specific. For an additional cost, this coverage can be customized with optional benefits including a: Future Purchase Option, Cost of Living Adjustment Option, Own Occupation Definition of Disability Option and Catastrophic Disability Option.
Short-Term Disability (with Maternity)
Help prevent a health setback from becoming a financial hardship. Short-Term Disability replaces a portion of your income if you are unable to work due to covered illness or injury. This coverage offers a choice of waiting periods (7-day and 30-day) and maximum benefit periods (3-months or 6-months) and monthly benefits amounts up to $5,000 and is specialty specific. Plus maternity benefits are included!
Supplemental Disability (for educational expense obligations)
The Supplemental Disability can help you pay monthly student loan debt you may still be responsible for paying in the event you suffer a covered total disability. Educational expenses would include any student loans for which you are personally responsible. You You have a choice of Maximum Benefit Period (5-Year or 10-Year) and monthly benefits up to $2,500.
Office Overhead Expense Disability
In addition to your personal expenses, help protect your business expenses in the event you become disabled with monthly benefit amounts up to $20,000 for your personal share of eligible business expenses.
Accidental Death & Dismemberment
This coverage can help you and your family cope with crippling or fatal accidents and the often devastating costs by providing up to $500,000 in benefits.
Hospital Indemnity
The ACS Hospital indemnity insurance can help supplement other medical care insurance you may carry. Hospital indemnity insurance can provide daily benefits of up to $500 just when you may need it most: to help pay expenses during a covered hospitalization.
Premium Savings available on New York Life Products
Premium Credits: Many of the coverages available though the ACS Insurance Program underwritten by New York Life Insurance Company are offered at reduced policy rates due to positive claims experience.
- Level Term Life and Long Term Disability - 35% Credit
- Traditional Life - up to a 48% credit
- Office Overhead Expense - 20% Credit
Because these credits are based on actual experience, they cannot be promised or guaranteed beyond March 31, 2025.Premium Credits are not paid in cash, they are applied as a discount on your premiums due.
Valuable Package Discount: In addition to the Premium Credits, you may also qualify for an additional 35% with our valuable package discount. To qualify for this discount, you must be insured in at least one coverage from each of the three product categories:
- Term Life Insurance: Level Term Life (10-, 15- or 20-Year Term) and/or Traditional Term Life
- Disability Income Insurance: Long-Term Disability, Short-Term Disability, and/or Office Overhead Expense Disability
- Supplemental Coverage: Accidental Death & Dismemberment Insurance, Hospital Indemnity and/or Supplemental Disability Insurance (for educational expense obligations)
Once you qualify for the 35% discount, it applies to all ACS coverages underwritten by New York Life from each of the three product categories
ACS members can learn more about each product, including coverage features, costs, eligibility, renewability, exclusions, limitations, and apply by visiting acs-insurance.com or by calling 1-800-433-1672.
Long-Term Care
Long-Term Care Insurance is available through Long-Term Care Resources (LTCR). LTCR is contracted with the leading carriers in the LTC market, including Mutual of Omaha, John Hancock, Genworth, Transamerica, and Lincoln Financial. Not only will you have multiple carriers and a variety of plans to choose from, but as an ACS member, you may also qualify for exclusive discounts not available to the general public.
Medicare Supplement Exchange
Picking up where Medicare leaves off, Medicare Supplement Plans can give you the freedom to choose your own doctors and hospitals. The exchange helps by providing Medicare-eligible members (and eligible spouses) with access to a comprehensive multiplan approach. You will have the ability to select from a larger number of plan choices for both medical and prescription drug plans.
