Four Ways AIA Trust Life Insurance Helps Protect the People You Love

Life insurance can feel like something you’ll get around to. But when it’s needed, it’s too late to start planning. That’s why the AIA Trust works with New York Life Insurance Company to offer group term life insurance tailored to the needs and realities of architectural professionals. Here are four ways it helps protect the people who matter most.

(1) Replace Lost Income When It Matters Most

Your loved ones rely on more than your presence—they rely on your income, too. If you were to pass away unexpectedly, could your family stay in your home? Could your children still pursue their education? Would your partner have the freedom to take time off work to grieve and regroup?

Life insurance doesn’t replace you—but it can replace some or all of your income, providing a financial cushion when your family needs it most. It can cover funeral costs and debt in the short term, while supporting bigger goals like college tuition or retirement stability in the long term.

Architects may be especially vulnerable if their earnings are tied to ownership in a firm or project-based income. This kind of volatility makes it even more important to have financial safeguards in place.

(2) Meet Essential Household Needs

Whether you’re the primary caregiver, the sole earner, or share responsibilities with a partner, it’s worth thinking through how your family would function without you.

Life insurance can help cover the cost of services that keep a household running—childcare, transportation, cleaning, eldercare—especially during periods of transition. It offers a way to keep life manageable for those left behind, so they can focus on healing rather than scrambling for support.

Even if you don’t have dependents now, life insurance is easier and more affordable to secure when you’re young and healthy. It’s an investment in the future version of your life—whatever it may look like.

(3) Gain Benefits You Can Use in Your Lifetime

AIA Trust coverage includes features that go beyond the traditional “death benefit.” You may not realize that your life insurance can also help support you if your health takes an unexpected turn.

• The Accelerated Death Benefit allows you to access up to 50% of your policy if you’re diagnosed with a qualifying chronic illness or cognitive condition. It’s cash you can use—on care, renovations, household support, or anything else—while preserving the rest for your beneficiaries.
• The Automatic Benefit Increase feature helps ensure your coverage grows as your needs grow—tracking alongside inflation and salary increases, without requiring additional medical underwriting.

These built-in options recognize that your financial protection shouldn’t just be for after you’re gone—it should support your well-being today, too.

(4) Leave a Lasting Legacy

What do you want to be remembered for? For many architects, legacy goes beyond buildings—it’s about impact. Whether that means supporting a cause you care about, helping future generations thrive, or ensuring your family has long-term stability, life insurance can help you make a meaningful contribution.

It can be a tool for philanthropy, estate planning, or simply for passing down financial security to those you love. With adequate coverage, you gain the flexibility to make choices about what your legacy looks like—and the confidence that those choices will be carried out.

Designed for Architects. Available Through AIA Trust.

AIA members have access to up to $1 million in coverage at exclusive group rates through the AIA Trust. This isn’t a generic policy—it’s structured to reflect your career path, your earning potential, and your personal responsibilities.

If you’ve been putting it off, take this as your reminder: protecting your people is one of the most powerful things you can do.

Start here: https://www.coveragedetails.net/aiatrust/life/5158