(Date)

(student first name last name)

(address)

(city, state, zip)

Dear (student’s first name),

Please accept my warmest congratulations and best wishes on your upcoming graduation. You have traveled a long road to reach this day.

I would like to take this opportunity to make sure that you are aware of the wide range of insurance plans offered through the AVMA GHLIT. You should also know about the special, limited time offers available to AVMA Student Chapter members in good standing at graduation:

  • At a time when finances are a critical issue, the Trust allows you to finance your first 6 months’ premium through a promissory note available at a very attractive interest rate of 4% per year. That interest will be waived if the note is paid off on or before October 31, 2009. Otherwise, the note becomes due and payable no later than October 31, 2010. The note is available only if you sign up for the insurance at time of graduation.
  • Health insurance premiums are based on the plan you select and the area of the country where you reside. Within a state there will also be variations that are driven by health care costs in the area. Again, in recognition of your unique situation and needs, the Trustees along with the underwriting insurance company, New York Life Insurance Company (NY, NY10010), would like to extend to you our lowest rates regardless of where you live until November 1st of the secondyear following your graduation. Effective November 1, 2010 your rates will be determined based on the applicable area where you live.

Start out with a strong, solid base of protection on which you can build as the years pass and your obligations change. Your needs right now are not limited to just health insurance. Protect yourself, your income, debt load, and family obligations with affordable disability income and life insurance.

AVMA GHLIT offers you the opportunity to start out with a pick and choose package of basic benefits, at affordable rates,regardless of any pre-existing medical conditions.If you have eligible family members, certain guarantees are available to them as well.

I wish you every success. You deserve it!

Sincerely,

(Agent name and title)

P.S. See the information sheet on the reverse side for details on the guaranteed issue offers and contact information for your AVMA GHLIT agent.

Guaranteed Insurance Coverage for SAVMA Graduating Seniors

Regardless of pre-existing medical conditions, you (and your eligible dependents for health and life insurance) are eligible for the following coverage on a guaranteed issue basis. Applications received in the Trust Office prior to the date of graduation will be effective on the date of graduation.*

  • $2,000/month Long Term Disability with a 30, 90, or 180 day Waiting Period.
  • $500/month Future Purchase Option Disability
  • Cost of Living Adjustment Option
  • Own Occupation Plus Definition of Disability Option
  • $300/month Short Term (6 months) Disability at 1st day accident/8th day sickness or a 30-day Waiting Period.
  • Basic Protection Package of Decreasing Term Life, Accidental Death and Dismemberment, and a $600 Rabies Prophylaxis benefit
  • Medical Care plan of your choice** including coverage for your eligible dependents
  • $100,000 Term Life insurance for the new graduate, $50,000 for your spouse/domestic partner, and $5,000 or $10,000 for each of your eligible children
  • $100,000 Accidental Death and Dismemberment for the new graduate, and $50,000 for your spouse/domestic partner
  • $100/day Hospital Indemnity cash benefit for you and your eligible dependents
  • $300/month Professional Overhead Expense (for new graduates starting or purchasing a practice)

Higher amounts of coverage may be applied for but they will be subject to satisfactory evidence of insurability and insurance company approval. (underwritten by New York Life Insurance Co., New York, NY10010).

Don’t delay! There is a limited open enrollment period. Contact your AVMA GHLIT Agent for more information including plan rates, exclusions, limitations, eligibility and renewal provisions. I will be happy to provide you with plan brochures.

AVMA GHLIT Agent:

(agent name)

(agent address)

(agent city, state, zip)

(agent phone #)

(agent email)

* Applications received within 31 days following graduation will be effective the date the Trust Office receives the completed application.

**Medical care plans are not available in all states. Please refer to the plan brochure for full details.