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ADA Term Life vs. ADA Level Term Life Insurance

See which insurance plan is the best fit for you and your family with this quick side-by-side comparison of the insurance plans.

Which one is right for you?

As an ADA member, you have access to two term life insurance plans: ADA Term Life and Level Term Life, underwritten by Protective Life. The main difference between the two:

  • The ADA Term Life Insurance Plan starts out with a low rate that gradually increases annually with age. You also have the flexibility of changing your coverage levels to meet your changing needs throughout life.
  • The ADA Level Term Life Insurance Plan offers the predictability of a fixed premium that lasts for a specified term of either 10 or 20 years.

To help you decide which term insurance plan is the best fit for you and your family, take a moment to review this quick side-by-side comparison. You can contact your Insurance Plan Specialist anytime at 866.607.5336 or ADAPlanSpecialist@protective.com for more information or a free rate quote.

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

*Proceeds payable under the policy upon the death of the terminally ill insured will be reduced by the amount of the Accelerated Benefit paid.

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

2The accidental death option benefit reduces by 50% at attained 66 and terminates at attained age 76.

3Expires at age 60.

Term Life premiums increase annually based on age, are effective as of 01/01/24 and include a 32% Premium Credit reduction that shares favorable financial results with Plan participants. The Premium Credit reduction is not guaranteed, but reevaluated periodically. Level Term premiums are fixed based on the selected duration of 10 or 20 years. Must maintain ADA Membership throughout selected Term. If the applicant does not qualify for Standard or Preferred rates, it may be possible to qualify for one of the two additional substandard rate classes.