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ADA Student
Members Insurance
Underwritten by Protective®

ADA student members receive life and disability insurance coverage paid for by ADA® Members Insurance Plans, underwritten by Protective.

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ADA Student
Members Insurance Underwritten by Protective®
Introduction Picture
Introduction Picture

ADA student members receive life and disability insurance coverage paid for by ADA® Members Insurance Plans, underwritten by Protective.

Activate and create account

Register and activate your ADA Members Student Insurance today

You can't prevent a serious injury or illness from happening. But you can prepare for it. When you request activation of ADA Student Disability and ADA Student Term Life Insurance Plans, you will have the financial protection you need for you and your loved ones while you're in school and during your residency.

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Disability Insurance for dental students
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Term Life Insurance for dental students
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Graduate Offer
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Disability Insurance for dental students

ADA Student Disability Insurance protects the investment you're making in your dental career by providing a source of monthly income if an illness, injury or accident prevents you from completing dental school or performing your duties as a dental student.

Coverage includes:

  • Up to $2,000 per month for up to 7 years of disability coverage
  • Up to $2,000 per month of loan repayment protection (up to $150,000 total)
Term Life Insurance for dental students

$50,000 of coverage in the ADA Student Term Life Insurance Plan. This life insurance provides debt protection for your student loans and other financial obligations.

Coverage includes:

  • $50,000 lump sum death benefit
  • $50,000 accidental death coverage
  • Coverage automatically doubles to $100,000 on July 1 of the year you graduate.
Graduate Offer

Ensure you're covered as a new dentist with no applications, underwriting or medical exams. Your focus should be on your career, not insurance paperwork. With our Graduate Offer, you can convert your ADA Student Members Life and Disability Insurance to ADA Members Insurance Plans for practicing dentists.

Your first step is to activate your coverage. You can then create your online account. Once your online account is set up, you will be able to view the details of your coverage and update your contact information.

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Ready to get started?

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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.

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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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