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ADA LIFE INSURANCE PLANS

life insurance plans for dentists

Whether you're obtaining life insurance to provide financial protection for your loved ones, or to use as collateral for a loan, 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-year or 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 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 ELIGIBILITY: 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 UNTIL2: AGE 81 OPTION TO ROLL 10- OR
20-YEAR TERMS INTO TERM
LIFE, WHICH IS RENEWABLE
UP TO AGE 81, AT THE
END OF THE TERM		 AGE 90
BUILDS CASH VALUE: NO NO YES
SPOUSE & 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: YES YES YES
UNDERWRITING RATE CLASSES: PREFERRED6 PREFERRED6 PREFERRED6
ABILITY TO CONVERT
COVERAGE TO TERM PLUS® UNIVERSAL LIFE:		 YES YES YES
CLC.2459640 (02.21)

Ready to get Started?

Understand your life insurance options. Get an Instant No-Obligation Quote or Apply.

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ADA Term
Life Insurances

Get a Quote
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ADA Level Term Life
Insurance

Get a Quote
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ADA Term Plus® Universal
Life Insurance

Apply Now

Questions? Talk with an Insurance Plan Specialist at 866-607-5338 for assistance
(weekdays from 8:00 am to 6:00 pm Central Time)
or Email ADAPlanSpecialist@protective.com.

1Subject to $3,000,000 coverage maximum across all ADA life insurance certificates.
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% beginning at age 66.
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. For Term Plus Universal Life, an additional $4.10 monthly administrative fee will be added to your cost of coverage and will be deducted monthly. For certificates issued after January 1, 2009, renewal rates might be slightly lower than Term Life rates after age 70.
6Preferred rates are available to the healthiest individuals who have low-risk health and lifestyle characteristics. Your eligibility will be determined through medical underwriting. If you qualify, Preferred rates will apply for a minimum of 10 years. At any time on or after your 10th anniversary, you may be asked to requalify for another 10 years by providing proof of good health.

Benefits may vary by state. Certain restrictions may apply. Please review your certificate for details.

Protective® is a registered trademark of Protective Life Insurance Company. The Protective trademarks, logos and service marks are property of Protective Life Corporation and are protected by copyright, trademark, and/or other proprietary rights and laws. ADA® is a registered trademark of the American Dental Association. Protective and Protective Life refer to Protective Life Insurance Company (PLICO) located in Nashville, TN, and its affiliates, including Protective Life and Annuity Insurance Company (PLAIC) located in Birmingham, AL. Insurance products are issued by PLICO in all states except New York, and in New York by PLAIC. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company. TL-P 1-21 is term life insurance policy issued by PLICO in all states except New York where it is issued under form (TL-P-NY 1-21) by PLAIC. Policy form numbers, product features, and availability may vary by state. 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 American Dental Association (ADA). Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. In some states, the ADA is entitled to receive royalties from the ADA Members Insurance plans. An insured must maintain ADA membership throughout the selected term to remain eligible for insurance. TP-P 11-20 is a universal life insurance policy issued by PLICO in all states except New York where it is issued under form (TP-P-NY 2-21) by PLAIC. Policy form numbers, product features, and availability may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy through the ADA and issued to the American Dental Association. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. Premium Credit is not guaranteed bit reevaluated semi-annually. Recommended premiums consist of the cost of insurance (which may 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 depending on the amount maintained in the Policy Value Account. LT-P 1-21 is a level term life insurance policy issued by PLICO in all states except New York where it is issued under form (LT-P-NY 2-21) by PLAIC. Policy form numbers, product features, and availability may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy through the ADA and issued to the American Dental Association. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. Premiums are fixed based on the member's age and coverage amount. ©2022 Protective Life Insurance Company. All Rights Reserved.
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The information on this website is not a contract. Protective and Protective Life refer to Protective Life Insurance Company (PLICO) Nashville, TN, and its affiliates, including Protective Life and Annuity Insurance Company (PLAIC) located in Birmingham, AL. Insurance products are issued by PLICO in all states except New York, and in New York by PLAIC. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Protective® is a registered trademark of Protective Life Insurance Company. The Protective trademarks, logos and service marks are property of Protective Life Corporation and are protected by copyright, trademark, and/or other proprietary rights and laws. ADA® is a registered trademark of the American Dental Association. The ADA trademarks, logos, and service marks are the property of the American Dental Association and used by Protective with permission.

TL-P 1-21 is term life insurance policy, TL-ST- P 2-21 is student term life insurance policy, LT-P 1-21 is a level term life insurance policy, and TP-P 11-20 is a universal life insurance policy issued by PLICO in all states except New York where it is issued under form (TL-P-NY 1-21, TL-ST-NY 2-21, LT-P-NY 2-21, TP-P-NY 2-21) by PLAIC. Policy form numbers, product features, and availability may vary by state. 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 American Dental Association (ADA). Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. In some states, the ADA is entitled to receive royalties from the ADA Members Insurance plans. An insured must maintain ADA membership throughout the selected term to remain eligible for insurance. For level term life insurance, premiums are fixed based on the member's age and coverage amount. For universal life insurance premium Credit is not guaranteed but reevaluated semi-annually. Recommended premiums consist of the cost of insurance (which may 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 depending on the amount maintained in the Policy Value Account.

IP-P 7-20 is a Disability Income policy, ST-P 8-20 is a student disability policy, OE-P 9-20 is an Office Overhead Expense Disability policy, CI-P 7-20 is a Critical Illness policy, HI-P 11-20 is a Hospital Indemnity insurance policy issued by PLICO in all states except New York where it is issued under form (IP-P-NY 12-20, ST-P-NY 1-21, OE-P-NY 1-21, CI-P NY, HI-P 7-20) by PLAIC. Policy form numbers, product features, and availability may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy and issued to the American Dental Association. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. Premiums increase every five years for Disability Income. Premiums increase every 10 years based on age for Office Overhead Expense Disability. Premium credit is not guaranteed but reevaluated semi-annually.

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

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CLC.4007312 (12.22)