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Memberships

Membership Plans Designed to Fit Your Needs and Budget

Choose from seven membership levels offering insurance coverage, financial resources, travel savings, and exclusive discounts. Whether you’re protecting yourself or your entire family, we have a plan that delivers real value.

 

Find the membership that’s right for you.

Flexible Memberships with Benefits Included - No Hidden Fees

At The American Associations, every membership includes access to valuable benefits designed to help you save money and strengthen your financial security. From basic savings programs to supplemental life and health insurance benefits, each level is structured to provide maximum value without paying for access before you pay for services.

All plans include non-insurance benefits like telemedicine, travel discounts, identity protection, and consumer savings programs. Higher-tier memberships add group term life insurance, accidental death and dismemberment (AD&D) coverage, and accidental medical expense (AME) protection – giving you and your family greater peace of mind.

Compare Our Membership Plans

Choose between Individual or Family coverage at the membership level that best fits your needs.

Basic

Individual/Family: $29.95/month

Our entry-level membership gives you access to essential savings and benefits – perfect if you’re looking to reduce everyday expenses.

Available in All States

Insurance Coverage:
None

Purchase Basic

Preferred

Individual: $39.95/month
Family: $79.95/month

Add insurance protection to your membership with group term life insurance – ideal for individuals and families seeking basic benefits.

State Availability

Primary Member Insurance Benefits:

  • Group Term: $10,000
  • All Member-level benefits
Purchase Preferred – Individual
Purchase Preferred – Family

Premier

Individual: $49.95/month
Family: $89.95/month

Enhance your benefits with additional accident and critical illness protection for greater financial security.

State Availability

Primary Member Insurance Benefits:

  • Group Term – $10,000
  • AD&D – $5,000
  • AME – $5,000
  • All Member-level benefits
  • Physicians and Facilities
  • Aetna Dental
  • Outlook Vision
  • Financial Assistance
  • Allstate Identity Protection – CORE Family
  • Tax Hotline
  • Legal Club
Purchase Premier – Individual
Purchase Premier – Family

Elite

Individual: $59.95/month
Family: $99.95/month

Our most popular plan offers increased group term life insurance benefits, as well as financial protection with accident insurance benefits.

State Availability

Primary Member Insurance Benefits:

  • Group Term – $20,000
  • AD&D – $5,000
  • AME – $5,000
  • All Member-level benefits
  • Physicians and Facilities
  • Aetna Dental
  • Outlook Vision
  • Financial Assistance
  • Allstate Identity Protection – CORE Family
  • Tax Hotline
  • Legal Club
Purchase Elite – Individual
Purchase Elite – Family

Preferred Plus

Individual: $89.95/month
Family: $129.95/month

Step up to enhanced benefits with increased accident and illness benefits for added protection.

State Availability

Primary Member Insurance Benefits:

  • Group Term – $10,000
  • AD&D – $10,000
  • AME – $10,000
  • All Member-level benefits
  • Physicians and Facilities
  • Aetna Dental
  • Outlook Vision
  • Financial Assistance
  • Allstate Identity Protection – CORE Family
  • Tax Hotline
  • Legal Club
Purchase Preferred Plus – Individual
Purchase Preferred Plus – Family

Premier Plus

Individual: $109.95/month
Family: $149.95/month

Maximize your insurance protection with higher benefit limits across all categories.

State Availability

Primary Member Insurance Benefits:

  • Group Term – $20,000
  • AD&D – $15,000
  • AME – $15,000
  • All Member-level benefits
  • Physicians and Facilities
  • Aetna Dental
  • Outlook Vision
  • Financial Assistance
  • Allstate Identity Protection – CORE Family
  • Tax Hotline
  • Legal Club
Purchase Premier Plus – Individual
Purchase Premier Plus – Family

Elite Plus

Individual: $129.95/month
Family: $169.95/month

Our premium membership delivers the highest level of insurance benefits and our most valuable financial protection.

State Availability

Primary Member Insurance Benefits:

  • Group Term – $30,000
  • AD&D – $20,000
  • AME – $20,000
  • All Member-level benefits
  • Physicians and Facilities
  • Aetna Dental
  • Outlook Vision
  • Financial Assistance
  • Allstate Identity Protection – CORE Family
  • Tax Hotline
  • Legal Club
Purchase Elite Plus – Individual
Purchase Elite Plus – Family

Every Membership Includes Essential Savings Benefits

No matter which membership level you choose, you’ll enjoy access to a wide range of non-insurance benefits designed to help you save money every day.

  • Discounts on car rentals with Avis, Budget, Enterprise, Alamo®, and National
  • Hotel savings through Wyndham, Choice Hotels, Motel 6, and Red Roof Inn
  • Exclusive cruise deals via CruisesOnly®
  • Collette Travel vacation packages
  • Event tickets through TicketApe
  • Telemedicine services through Recuro
  • Prescription savings with RXLess
  • Hearing aid discounts from MDHearingAid
  • Health monitoring through Aloe Care
  • Wellness resources via Prioritize Wellness
  • LifeLock identity theft protection access
  • 3Nickels personal finance tool
  • Nation Safe Drivers discount ($50 value)
  • TrueCar auto buying service
  • Store coupons and voucher programs
  • Savings perks through Abenity
  • 1-800-FLOWERS discounts
  • Office supply and UPS shipping discounts
  • Constant Contact email marketing savings
  • Figo Pet Insurance discounts
  • Lenovo™ and Husk technology deals

Supplemental Insurance Benefits for Help With Peace of Mind

Preferred-level memberships and above include valuable insurance coverage to protect you and your family.

Provides a cash benefit to your beneficiaries in the event of your death, helping cover final expenses and provide financial support to your loved ones.

Primary Member Insurance Benefit Levels:*

  • Preferred & Preferred Plus: $10,000
  • Premier & Premier Plus: $20,000
  • Elite: $20,000
  • Elite Plus: $30,000

*Accidental Death Benefit is provided during Waiting Period and at age 65 and above as follows: Waiting Period = 100% Accident Only Benefit. At ages 65-69, = 50% Death Benefit + 50% Accident Only Benefit. At age 70+, = 100% Accident Only Benefit. Spouse benefit = 50% of member benefit. Child benefit = 25% of member benefit.

        For full disclosure click here

Pays the beneficiary up to the benefit amount listed for the member’s death or loss of certain body parts (e.g. limbs, speech, eyesight, or hearing) in a covered accident within 365 days from the date of an Accident.

Primary Member Insurance Benefit Levels:

  • Premier & Elite: $5,000
  • Preferred Plus: $10,000
  • Premier Plus: $15,000
  • Elite Plus: $20,000

       

            For full disclosure click here

Helps cover out-of-pocket medical costs resulting from accidents, reducing the financial burden of unexpected injuries.

Primary Member Insurance Benefit Levels:*

  • Premier & Elite: $5,000
  • Preferred Plus: $10,000
  • Premier Plus: $15,000
  • Elite Plus: $20,000                                                                                       *Subject to a $250 deductible. 

 

          For full disclosure click here

* Accidental Death & Dismemberment Benefits and Accident Medical Expense Benefits are offered under Group Accident Only Insurance Policy/Certificate Form Series MP-1400/GC-1400, MP-1300/GC-1300. Group Term Life insurance is issued on Form Series GLMP-3002/GLC-3002. Coverage is underwritten by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The policies are issued to the American Association of Private Employees (AAPE) and contain the following: exclusions, limitations, reductions of benefits, and terms of renewal and cancellation. Subject to state availability, variability, and GTL’s right to increase premium rates. For complete details of coverage, please contact us.

 

Cancellation/Termination of Benefits/Renewability: Coverage terminates when AAPE terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by AAPE, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of AAPE to provide required information; or at GTL’s option with 30 days’ notice. Notice of termination provided to AAPE is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/ termination.

 

GTL does not provide nor is affiliated with the other insurance/discount programs provided as a part of membership in AAPE.

 

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Ready to Start Saving?

Join thousands of Americans who are already strengthening their financial security and keeping more of their money. Choose the membership that fits your needs and start enjoying exclusive benefits today.

Contact Us with Questions