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ADA Term Life Insurance Plan
Underwritten by Protective®

Term life insurance is an affordable way for dentists to provide financial stability for their loved ones. Learn how our flexible term life insurance plan can help protect your financial legacy in every season.
Request a free consultation

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ADA Term Life Insurance Plan Underwritten by Protective®
Introduction Picture
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Term life insurance is an affordable way for dentists to provide financial stability for their loved ones. Learn how our flexible term life insurance plan can help protect your financial legacy in every season.
Request a free consultation
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What is term life insurance?

Term life insurance is an affordable option for providing financial stability for loved ones in case of your death. The ADA Term Life Insurance Plan offers high-quality coverage specifically designed for dentists, available at exclusive members-only rates. Premiums are cost-competitive and increase annually with age.

ADA members, their spouses and eligible dependents can enjoy exclusive cost-competitive rates that are among the lowest available in the market today.

Why do I need term life insurance?

Term life insurance is a cost-effective way to provide for your loved ones and help your financial legacy remain secure in the event of your unexpected passing. Additionally, term life insurance gives you options and can be used for things like collateralizing loans or funding buy-sell agreements.

Since many dentists are the primary earners in their families, protecting your loved ones is crucial. It’s recommended to have term life coverage equal to at least 15 times your annual income.*

What benefits are included?

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Member savings

The Premium Credit Reduction1 is applicable to all participants, regardless of age, gender or coverage amount.

Volume Discount when you purchase $1,000,000 or more.2

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Shared family benefits

Coverage for yourself and the whole family with the benefit of ADA member-only rates.

Neonatal coverage of $15,000 for infant children from birth through 14 days.

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Flexible uses

The ADA Term Life Insurance Plan can be used to collateralize loans, fund buy-sell agreements and provide income to your family/beneficiaries in case of your death.

levels Icon Flexible coverage amounts

Coverage ranges from $50,000 to $3,000,000 PLUS up to $1,000,000 of additional Accidental Death coverage. Can be adjusted as your needs change, based on underwriting approval, any time before age 67.

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You can exchange some or all of your term life coverage to ADA Term Plus® Universal Life Insurance, which builds cash value, before age 65.

month-time Icon Renewable to age 81

Once approved, your ADA term life coverage can be renewed until age 81 with timely payment of premiums and continuous ADA membership.

payment Icon Accelerated benefit

Provides for advance payment of up to $200,000 of your death benefit if you are diagnosed with a terminal illness.3

1Premium credit reduction shares favorable financial results with Plan participants; reduction is not guaranteed but reevaluated periodically.

2A volume discount of 2% or 4% will apply when member life insurance is $1,000,000 or greater.

3Any accelerated benefit received will reduce the Proceeds payable upon your death and may be treated as taxable income and may affect eligibility for Medicaid or other government benefits or entitlements.

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More options

Spouse & Dependent Child Coverage Option

As an ADA member, your spouse is eligible for as much as 100% of your coverage amount at the same member rate, up to $1,000,000.

Accidental Death Option

For a low additional premium, you can increase the value of your coverage by doubling the death benefit, up to a maximum of $1,000,000.4 When you select this option, coverage automatically applies to any any spouse and dependent child coverage.

Disability Waiver of Premium Option

If you become totally disabled from all occupations before age 60, your coverage can continue without premium payment.

4 Benefit is paid if death is accidental as defined by the plan.

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How much term life insurance do I need?

Forbes Advisor suggests primary earners carry 15 times their annual income in life insurance coverage for financial security.* Find out how much coverage you may need based on your income.

How to calculate coverage

Determining the right amount of term life insurance depends on your individual circumstances. You can estimate your needs using a coverage calculator.
Coverage calculator

How cost is determined

  • Rates are determined by your gender and attained age
  • Preferred rates for individuals with excellent health and low-risk lifestyle characteristics. Eligibility will be determined through medical underwriting.
  • ADA membership makes you eligible for a Premium Credit reduction1
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Get a personalized quote from an Insurance Plan Specialist who can assess your coverage needs.
Contact Plan Specialist Get instant quote

Trusted provider of plans created for dentists

ADA Members Insurance Plans, underwritten by Protective®, offers a range of insurance coverage and benefits to meet the diverse needs of thousands of ADA members throughout their dental career.

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Provides Insurance plans designed for ADA members and dental students
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Top rated insurance provider with A+ financial strength rating from A.M. Best3

How do I apply?

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Talk to an Insurance Plan Specialist

Get personal, expert guidance to help calculate the amount of term life insurance you need based on your unique circumstances, complete your application and answer your insurance questions.

Request your free consultation by submitting the form below or call 855-411-5191 to get answers fast!

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Apply online

Ready to get started? Complete our convenient online application and start protecting your loved ones today.

Apply now
Meet our Insurance Plan Specialists
Jennifer Tozier
Jennifer Tozier
Amia Jenkins
Amia Jenkins
Brandy Sherrane
Brandy Sherrane
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Additional resources

More helpful information. Make the right decisions at the right time for you.

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Learn when you can qualify for as much coverage as you need, and at the best possible rates.

This side-by-side comparison can help you determine which is the best fit for your needs.

Discover how to leverage your access to insurance experts to make informed decisions.

Learn more
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*forbes.com/advisor/life-insurance/ladder/

3As of February 2024: An insurance rating is an opinion of AM BEST rating agency of the insurance company's financial capacity to meet the obligations of its insurance policies in accordance with their terms. Each of the independent rating organizations that rates Protective has assigned its rating based on a variety of factors, including the company's operating performance, asset quality, financial flexibility and capitalization. A rating is not a recommendation to purchase, sell or hold insurance contracts. Ratings are subject to change at any time. The insurer may have paid a fee to the rating agency.

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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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