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7 Ways an Insurance Plan Specialist Can Help

Rely on experts who help dental students and new dentists make crucial insurance choices.

As a benefit of your ADA student membership, you have access to experts who can help dental students and new dentists make important insurance decisions.

1. Trusted source of information

Your salary based Insurance Plan Specialist only works with dentists, so you can count on them for experienced guidance to help you choose the right coverage throughout dental school and into your career.

2. Explain coverage options

Make use of an expert who can help you determine your disability, life and other insurance needs at each stage in your career. From explaining the types and amount of coverage you might need to helping you understand riders and features, your personal Insurance Plan Specialist can assist you with determining current and future insurance needs.

3. Provide application support

Insurance Plan Specialists can give you tips to help ensure that your ADA® Members Insurance Plans application and underwriting process goes smoothly and that your documents are submitted error free.

4. Easy to reach

Being able to reach out by email or phone to ask questions or get a quote saves time.

5. Speak jargon-free insurance language

As ADA student members, if you need help comparing coverage among providers, ask your Insurance Plan Specialist to break it down into non insurance language

6. Answer questions about conversion from student insurance to insurance for practicing dentists

Learn about making the shift from the ADA student members disability and life insurance plans you had while in school to the more comprehensive insurance you'll need as a practicing dentist. They will help you make the right decisions, depending on your postgraduate career path.

7. Assess your current coverage

Any time you reach a major milestone like getting married, having children, opening a new practice, or earning more income, it s a good idea to reevaluate and calculate your coverage needs with your Insurance Plan Specialist to ensure you have the financial protection you need.

Questions? Get in touch with your Insurance Plan Specialist at 866-607-5338 for assistance (weekdays from 8:30 a.m. to 5 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 Omaha, NE 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) not available in New Mexico, 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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