Have you heard that the AAO no longer endorses AAOIC?
In 1995, AAO created AAOIC to provide malpractice insurance exclusively to AAO members, contributing $1.1 million to fund its creation. From its beginning, AAOIC has always been a separate company due to legal requirements that pertain to insurance carriers. In the fall of 2025, AAOIC made the decision to sell to non-AAO members and requested AAO to amend our contract to permit them to do so. The AAO’s top core value is “Our Members Come First” so their request, coupled with other AAOIC business practices such as an extraordinary price increase in New York, made it clear to us that parting ways with AAOIC was in the best interest of AAO members. Since December 2025, AAOIC is no longer endorsed by AAO. See the announcement from immediate past-AAO President, Dr. Steven Siegel for details.
To honor AAO’s dues‑paying members—past, present, and future—the AAO is moving in a new direction. As an AAO member, you can now get all the coverage you need as an orthodontist, including malpractice, helping protect yourself, your practice and your family in one place.
The AAO-Endorsed Insurance Program, administered by Lockton Affinity, is taking a two-phase approach to providing the best-in-class malpractice insurance AAO members deserve. They are currently in Phase One. Vetted malpractice insurance for AAO members in all 50 states is currently available. Phase Two will be an exclusively designed malpractice insurance program for AAO members in all 50 states and US territories that will be available this fall.
When should you consider new malpractice insurance? AAO encourages all members —whether your policy is up for renewal or you’re a first-time buyer—to request a quote from the AAO-Endorsed Insurance Program now, so you can compare rates and make the best decision for yourself. Lockton Affinity advisors are here to help guide your insurance choices as we move toward the launch of the new exclusive malpractice program this fall.
The AAO-Endorsed Insurance Program is the premier, all‑in‑one insurance destination for AAO members. AAO invites you to evaluate this valuable member benefit to inform your insurance decisions to help protect yourself, your practice and your family in one place.
The AAO Endorsed Insurance Program includes:
Products to help protect your livelihood:
Malpractice
Disability Insurance*
Life Insurance*
Critical Illness Insurance*
Identity Theft
Products to help protect your business:
Group Business / Professional Overhead Insurance*
Business Owner’s Policy
Employment Practices
Cyber Liability
Worker’s Compensation
Meet With A Lockton Affinity Advisor
The AAO-Endorsed Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC, Affinity Administrator Services, LLC in California Insurance License Number 0795478, in Arizona Insurance License Number 1800004362 and in Arkansas Insurance License Number 100108685. Coverage may not be available in all states and is subject to actual policy terms and conditions. Policy benefits are the sole obligation of the issuing insurance company. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. American Association of Orthodontists (AAO) will receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law.
*Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 under Group Policy Nos. G-14242-0 (Term Life), G-14243-0 (10 YLT), G -14244-0 (20 YLT), G-14242-3 (Disability), G-14242-4 (BOE), G-30270-0 (CI) On Policy Forms GMR-FACE/G-14242-0/ G-14243-0/ G-14244-0/G-14242-3/G-14242-4/G-30270-0. For more information including features, costs, eligibility, renewability, limitations and exclusions visit aao-insurance.com. New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the eligibility sections for current availability.
New York Life Insurance Company’s state of domicile is New York, and NAIC ID is #66915.
