The medical profession is full of choices. Your Life Insurance can be, too.

Designed by us. Shaped by you.

Life as a physician means facing many different choices, from your career path to how you define your work-life balance to your dealings​ with individual patients. But one of the most important decisions you’ll ever make is how to protect your family’s lifestyle in the event of your untimely death. Which is why you deserve to have options that allo​w you to make the best choice possible.
OMA Flex 10 and Flex 20 Level Group Term Life Insurance is designed to give you quality protection with competitive rates and the flexibility to choose the right coverage for your situation. Whether you’re targeting shorter-term commitments up-front, or seeking worry-free long-term protection that takes you further, or perhaps both, we can help you shape a plan that meets your financial protection needs today, tomorrow and well into the future.

Get the stability of flexibility.

Coverage available for you from $100,000 to $3,000,000 in $25,000 increments for both Flex 10 and Flex 20 plans.

For the first 10 years of the Flex 10 and 20 years for the Flex 20, your rates are locked in and are guaranteed not to increase, regardless of changes to your health. After 10 years for the Flex 10 and 20 years for the Flex 20, you have the opportunity to re-examine your plan options at guaranteed rates.

All or part of your coverage can be converted without medical evidence any time before you reach the age of 65 for both Flex coverages.

You can continue your coverage regardless of where you live as long as you are a member of an eligible medical Association/Society.

You may be eligible for immediate interim coverage while your application is being processed.

Should you become totally disabled before age 60 and remain totally disabled for 180 consecutive days, premiums may be waived for as long as you remain totally disabled.

In the event of your death or dismemberment due to a covered accident, a lump sum payment may be made in addition to any other benefit you or your family might already receive, making AD&D the perfect complement to your Flex-Term Life coverage. Learn more about Optional AD&D Coverage.



Coverage is simple and the premiums are competitive. Rates depend on a variety of factors such as gender, age and smoking status. To learn more, including information on eligibility, renewability, limitations and exclusions, and to get a quote, simply contact OMA Insurance at or 1.800.758.1641, or use the rate calculator that best suits your needs.


OMA Flex 10 and Flex 20 Life Insurance is available exclusively to members of the OMA or an Atlantic Medical Association/Society and their spouse, who reside in Canada and are under the age of 65 for Flex 10 and age 55 for Flex 20.
Residents of Quebec are eligible if: 1) they practice or study outside of Quebec but still reside in Canada; 2) the application was signed in a province or territory other than Quebec and 3) the certificate and all other communications are delivered in a province or territory other than Quebec. 


The Underwriting Process

OMA Insurance works to streamline the underwriting process as much as possible, reducing the complexity and time required to arrange coverage. Here are the steps required: ​
Obtain your application either online, or by calling us. Once completed, simply send the form back to OMA Insurance.
Telephone Interview
A simple 20-30 minute call to review your health and work history. Please have attending physician and medication information handy, as well as financial documentation.
Blood Chemistry Profile/Urinalysis
An appointment will be scheduled for a nurse to collect blood and urine samples conveniently at your home or office.​
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Attending Physician's Statement
A medical statement may be needed. By ensuring your physician responds quickly, you can help accelerate the entire process. Additional information may also be required.
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Final Decision
It usually takes 4-6 weeks for the provider to process all the information and arrive at the underwriting decision.
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Lear​n mor​e about what you ca​n expect during the underwriting of your application.

Risk-free, 30-Day Free Look.

We’ve designed this life insurance product with our members in mind. Apply today and, once approved, we’ll send you your Flex 10 or Flex 20 Life insurance certificate. Review it at your leisure for 30 days with no obligation. If you’re not completely satisfied, simply return it within the 30 days for a full refund of all premiums paid.

At this stage, and every stage.

Your life is often changing, which is why your Life Insurance solutions should be flexible. OMA Insurance makes it easy to select a plan that suits your needs now, in retirement, and at every stage of your life.

While the group plan described above has been specifically designed with physicians in ​mind, you may have circumstances that require an individual plan. Either way, your OMA Insurance advisor is here to help. 


This information is a summary of the major features of the group insurance program under policies G-29700 and G-29800. It is intended for general guidance and is not a contract. If any discrepancies exist between this information sheet and the issued policy or certificate, the latter shall prevail. The complete terms, conditions, limitations and exclusions governing the OMA Life Insurance coverage can be found on your Certificate of Insurance and in the relevant group insurance policy issued by New York Life Insurance Company, Canadian Chief Agency, Toronto, Ontario M5H 3C2 on policy form GMR-FACE G-29700 and G-29800. New York Life has no right to cancel the group policy as long as premiums are paid when due.

Some conditions apply.