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Insurance Benefits for Members

In order to meet our commitment to bring high quality value added benefits to AMGA members, The AMGA is partnered with Insurance Specialists Inc, to offer our members insurance programs with group rates, simplified applications, and no exclusions for climbing, mountaineering, or skiing.

With over a half century of experience, Insurance Specialists has made a name by providing the highest quality insurance coverage for Associations and their members nationwide. ISI has worked with its insurance carriers to put together a wide array of insurance plans for AMGA members.

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Guide Friendly Insurance Plans Available for AMGA Members

Accident Insurance

Accident Only Insurance

Protect your income in the event you are injured and unable to work.
  • This benefit pays $250-$1000 per week (Depending on the plan you choose) in the event you are accidentally injured
  • No exclusions for climbing, mountaineering, or skiing
  • Only a 10 minute online enrollment
  • 14 & 30 day elimination period* options

Apply Now!

*Elimination Period- the time period between an injury and the receipt of benefit payments.

Unfortunately, at this time these plans are not offered in Arkansas, Kansas, Maine, Maryland, North Carolina, Oregon, South Dakota, Utah, or Washington. We are working to expand more benefits to all 50 states. If you live in one of these states, please contact an ISI agent at 1-888-474-1959 or [email protected] to explore your Insurance Options. Please reference your home state and you AMGA membership.

Disability Income Insurance

MetLife One Step Express Disability Insurance

Income protection for disability caused by injury and sickness
  • Only 4 health questions
  • Definition of disability is defined by your occupation
  • Monthly benefit up to $6,000 for those ages 44 and under
  • Monthly benefit up to $3,000 for those ages 45 – 54
  • 60, 90 or 180-day elimination period*
  • Maximum benefit duration period between 5 and 65 years
  • No exclusions for climbing, mountaineering, or skiing

Plan information and FAQ

Apply Now!

*Elimination Period- the time period between an disability and the receipt of benefit payments.

MetLife Standard Issue Disability Insurance

Income protection for disability caused by injury and sickness
  • Affordable group rates
  • Coverage amounts up to $12,000 per month available
  • Definition of disability is defined by your occupation
  • No offsets against Social Security Disability, Workers Compensation, or other monthly LTD Insurance benefits
  • 60, 90, and 180-day elimination periods* available
  • 3 options for Maximum Benefit Durations: Normal Retirement Age / 5 Years / 2 Years
  • No exclusions for climbing, mountaineering, or skiing

Plan information and FAQ

Apply Now!

*Elimination Period- the time period between an disability and the receipt of benefit payments.

Unfortunately, at this time these plans are not offered in Alaska, Hawaii, Idaho, Maine, Nevada, New Mexico, Oregon, Vermont, Utah, Montana, Delaware, Florida, Maryland, or Washington. We are working to expand more benefits to all 50 states. If you live in one of these states, please contact an ISI agent at 1-888-474-1959 or [email protected] to explore your Insurance Options. Please reference your home state and you AMGA membership.

Term Life Insurance

MetLife One Step Express Life Insurance

  • Available to members under age 60
  • Only 5 medical questions
  • If you are under age 50: up to $250,000 of coverage
  • If you are age 50-59: up to $150,000 of coverage
  • Plan pays in addition to other coverage you have
  • No exclusions for climbing, mountaineering, or skiing

Plan information and FAQ

Apply Now!

MetLife Standard Issue Life Insurance

  • Available to members under age 75
  • Members choose any amount up to $1.5 million in $5,000 increments
  • Spouses can choose any amount (as long as it does not exceed member coverage) in $50,000 increments up to $500,000
  • Plan pays in addition to other coverage you have
  • No exclusions for climbing, mountaineering, or skiing

Plan information and FAQ

Apply Now!

Unfortunately, at this time these plans are not offered in Alaska, Hawaii, Idaho, Maine, Nevada, New Mexico, Oregon, Vermont, Utah, Montana, or Wyoming. We are working to expand more benefits to all 50 states. If you live in one of these states, please contact an ISI agent at 1-888-474-1959 or [email protected] to explore your Insurance Options. Please reference your home state and you AMGA membership.

Business Overhead Expense Insurance

MetLife One Step Express BOE

  • Designed for AMGA Members who work as business owners and independent guides to help pay office overhead expenses during periods of disability
  • Covered expenses include: Rent, Utilities, Employees’ Payroll and any other normal monthly business expense you incur in your practice
  • A simplified application process (with just a few medical questions) for members age 54 and under who work full time (at least 20 hours per week).
  • Apply for up to $6,000 per month for those age 44 and under
  • Apply for up to $3,000 per month for those age 45 – 54
  • Just answer a few medical questions and if no additional medical information is needed, you’re done.
  • Elimination Period* of 15 days or 30 days.
  • Renewable to age 70.
  • Premiums waived during a covered disability.
  • No exclusions for climbing, mountaineering, or skiing

Plan information and FAQ

Apply Now!

*Elimination Period- the time period between an disability and the receipt of benefit payments.

MetLife Standard Issue BOE

  • Designed for AMGA Members who work as business owners and independent guides to help pay office overhead expenses during periods of disability
  • Covered expenses include: Rent, Utilities, Employees’ Payroll and any other normal monthly business expense you incur in your practice
  • Affordable group rates
  • Coverage up to $20,000 per month available based on your normal monthly business overhead expenses
  • 15 or 30 day elimination period*
  • 24 Month Maximum Benefit Duration
  • No exclusions for climbing, mountaineering, or skiing

Plan information and FAQ

Apply Now!

*Elimination Period- the time period between an disability and the receipt of benefit payments.

Unfortunately, at this time these plans are not offered in Alaska, Hawaii, Idaho, Maine, Nevada, New Mexico, Oregon, Vermont, Utah, Montana, Delaware, Florida, New Hampshire, or Washington. We are working to expand more benefits to all 50 states. If you live in one of these states, please contact an ISI agent at 1-888-474-1959 or [email protected] to explore your Insurance Options. Please reference your home state and you AMGA membership.

Apply Now!