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ADA Members
Insurance Plans
Underwritten by Protective®

The ADA Members Insurance Plans offer competitive rates and superior coverage with great options to meet your needs at every point in your dental career.

All of the insurance plans are available exclusively to ADA members and offer special members-only pricing.

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ADA Members
Insurance Plans Underwritten by Protective.
Introduction Picture
Introduction Picture

The ADA Members Insurance Plans offer competitive rates and superior coverage with great options to meet your needs at every point in your dental career.

All of the insurance plans are available exclusively to ADA members and offer special members-only pricing.

Life insurance for dentists
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ADA Term
Life Insurance

Up to $3,000,000 in death benefit.

See plan details
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ADA Level Term Life
Insurance

10- and 20-year level terms.

See plan details
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ADA Term Plus®
Universal Life Insurance

Life insurance PLUS a guaranteed minimum interest rate of 2.5%.*

See plan details
Disability insurance for dentists
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ADA Disability Income
Protection Insurance

Personal disability income insurance with up to $15,000 per month in full "own occupation" benefits.

See plan details
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ADA Office Overhead Expense
Disability Insurance

Up to $25,000 per month in disability protection that helps cover business expenses for your practice.

See plan details
Supplemental medical insurance for dentists
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ADA Critical Illness Insurance

Supplemental medical insurance that provides a lump-sum cash payment if diagnosed with one of 17 critical illnesses.

See plan details
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ADA Hospital Indemnity Insurance

Get up to $1,000 cash for each day you are hospitalized or undergoing qualifying pregnancy-related and outpatient treatments.

See plan details
Insurance for dental students
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ADA Student Members Term
Life Insurance

$50,000 of student member Term Life Insurance and $50,000 Accidental Death benefits

See plan details
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ADA Student Members
Disability Insurance

$2,000/month student member disability insurance plus up to $150,000 in student loan protection.

See plan details

*Term Plus Universal Life certificate holders prior to November 1, 2011, receive a separate guaranteed minimum interest rate. However, the multiple-year interest rate lock-in feature previously available has been discontinued.

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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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