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ADA Members Life
Insurance Plans Underwritten by Protective® Whether you're obtaining life insurance to provide financial protection for your loved ones, use as a collateral for a loan, or fund a buy-sell agreement, you have options — at exclusive ADA member rates.
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ADA Members Life
Insurance Plans Underwritten by Protective®
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Whether you're obtaining life insurance to provide financial protection for your loved ones, use as a collateral for a loan, or fund a buy-sell agreement, you have options — at exclusive ADA member rates.

Let us help you choose

We offer three different life insurance plans to meet the unique needs of ADA members and their families.
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ADA Term
Life Insurance

Provides financial protection at premiums that start low based on your age.

See plan details
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ADA Level Term Life
Insurance

Offers a low, fixed ADA member premium for a 10- and 20-year term.

See plan details
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ADA Term Plus®
Universal Life Insurance

Life insurance that delivers a built-in tax-advantaged savings feature.

See plan details

Find the right coverage for you

The comparison table below will help you understand the differences between the ADA Members Life Insurance Plans, so you can choose the right coverage for you.

ADA Term
Life Insurance 		ADA Level Term
Life Insurance 		ADA Term Plus® Universal
Life Insurance Plan
Minimum coverage amount $50,000 $100,000 $50,000
Maximum coverage amount1 $3,000,000 $3,000,000 $3,000,000
Fixed, level premium Premiums gradually increase based on your age Premiums are fixed for a 10-year or 20-year term Premiums gradually increase based on your age
Age of eligibility2 Under age 65 Can apply for a 20-year term if under age 60 or a 10-year term if under age 65 Under age 65
Renewable until Age 81 Option to roll 10- OR 20-year terms into term life or universal life, which is renewable up to age 901 Age 90
Builds cash value No No Yes
Spouse and dependent coverage Yes Yes No3
Accelerated death benefit Up to $200,000 if diagnosed with a terminal illness Up to $200,000 if diagnosed with a terminal illness Up to $200,000 if diagnosed with a terminal illness
Disability waiver of premium option Yes No Yes
Accidental death option4 Yes, maximum benefit of $1,000,000 No Yes, maximum benefit of $1,000,000
Volume discounts Yes No Yes
Premium credit discounts5 Yes No Yes
Medical underwriting Yes6 Yes6 Yes6
Underwriting rate classes Yes Yes Yes
Ability to convert coverage to Term Plus® Universal Life Yes Yes N/A

Ready to get started?

Understand your life insurance options. Get an instant no-obligation quote or apply.

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ADA Term
Life Insurance
See plan details
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ADA Level Term Life
Insurance
See plan details
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ADA Term Plus®
Universal Life Insurance
See plan details

Questions? Talk with an Insurance Plan Specialist at 866-607-5338 for assistance
(weekdays from 8 a.m. to 6 p.m. Central Time) or Email ADAPlanSpecialist@protective.com.

1Must be exchanged prior to the end of the 10-or-20-year term.

2Beginning at age 65, coverage amounts can no longer be increased.

3If member has Term Plus® Universal Life Insurance, then spouse/dependent is eligible for ADA Term Life Insurance coverage.

4The accidental death option benefit reduces by 50% at attained 66 and terminates at attained age 76.

5Premium Credit discounts share favorable financial results with Plan participants. The Premium Credit discount is not guaranteed, but reevaluated periodically. Term Life and Term Plus Universal Life premiums increase annually based on age. The accidental death option benefit reduces by 50% at attained 66 and terminates at attained age 76.

6Preferred rates are available to the healthiest individuals who have low-risk health and lifestyle characteristics. Your eligibility will be determined through medical underwriting.

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The information on this website is not a contract. Protective refers to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life and Annuity Company (PLAIC). PLICO, founded in 1907, is located in Nashville, TN and is licensed in all states excluding New York. PLAIC is located in Birmingham, AL, and is licensed in New York.

Protective® is a registered trademark of PLICO. The Protective trademarks, logos and service marks are property of PLICO and are protected by copyright, trademark, and/or other proprietary rights and laws. ADA® is a registered trademark of the American Dental Association (ADA). ADA Members Insurance Plans® is a registered service mark of the ADA. The ADA trademarks, logos, and service marks are the property of the ADA and used by Protective with permission. In some states, the ADA is entitled to receive royalties from the ADA Members Insurance Plans.

ADA Members Insurance Plans refers to the group life, disability, and supplemental medical policies issued by PLICO and PLAIC to the ADA.

Policies issued by PLICO in all states except New York: Term Life Insurance1 (TL-P 1-21), Student Term Life Insurance (TL-ST-P 2-21), Universal Life Insurance1 (TP-P 11-20), Level Term Insurance2 (LT-P 1-21), Disability Income Protection Insurance3 (IP-P 7-20), Office Overhead Expense Disability Insurance4 (OE-P 9-20), Student Disability Income Insurance3 (ST-P 8-20), Hospital Indemnity Insurance (HI-P 11-20), and Critical Illness Insurance (CI-P 7-20).

In New York, policies issued by PLAIC: Term Life Insurance1 (TL-P-NY 1-21), Student Term Life Insurance (TL-ST-P-NY 2-21), Universal Life Insurance1 (TP-P-NY 2-21), Level Term Life Insurance2 (LT-P-NY 2-21), Disability Income Protection Insurance3 (IP-P-NY 12-20), Office Overhead Expense Disability Insurance4 (OE-P-NY 01-21), Student Disability Income Insurance1 (ST-P-NY 1-21), Hospital Indemnity Insurance (HI-P-NY 1-21), and Critical Illness Insurance (CI-P-NY).

Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy issued to the ADA. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. An insured must maintain continuous ADA membership to remain eligible for insurance.

1For term life insurance and universal life insurance, premiums increase annually based on age. The Premium Credit is not guaranteed but reevaluated periodically. Universal life recommended premiums consist of the costs of insurance (which vary based on the member’s age and coverage amount), the amount a member places into the Policy Value Account and service charge. Premium deposits may fluctuate or remain level.

2For level term life insurance, premiums are fixed based on the member’s age, gender and coverage amount at issue.

3Premiums increase every five years based on age for disability income protection. Premium Credit is not guaranteed but reevaluated periodically.

4Premiums increase every 10 years based on age to age 60 and every 5 years thereafter to age 75 for office overhead expense disability. Premium credit is not guaranteed but reevaluated periodically.

Coverage for dental student members is issued regardless of condition if under age 60. Coverage automatically renews each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying member premiums and maintaining continuous ADA membership.

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