Plans
NEW: We've made enhancements to our spouse and dependent coverage options. Starting May 1, 2017,
your spouse is now eligible for as much as 100% of your coverage amount up to an increased maximum of $1,000,000. Dependent
children are now eligible for an additional $5,000 in maximum coverage up from $10,000 to $15,000 in coverage. Existing
dependent child coverage will automatically be increased at no additional cost to you. Contact your plan specialist to
learn more or apply today to take advantage of the increased spouse coverage.
Sometimes you only need life insurance coverage for a specific amount of time.
That’s why there’s ADA-sponsored Members Level Term insurance provided exclusively to ADA member dentists.
You can select either a 10-year or 20-year time period depending on your needs.
That means your death benefit and premium stays level during the selected time period.
Something for you to consider:
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Have a practice loan that will be paid off within 10 or 20 years?
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Need enough coverage until you retire or your kids are finished with college?
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Have a variety of short- and mid-term financial obligations until you retire?
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A mortgage that might be paid off within 20 years?
The ADA provides you with choices and insurance coverage up to $3,000,000.
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10-year Level Term: available to ages 22 to 65
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20-year Level Term: 22 to 60
Need to have life insurance after the specified term is over? No problem. ADA-sponsored Members Level
Term Insurance can be converted to ADA-sponsored Members Annual Renewable Term insurance (renewable to age 81) at
then current rates – not like some other insurers’ level term insurance that has their premium skyrocket after
the specified term has expired. The ADA wants you to have alternatives to keep your coverage if you still need
your term life insurance after the 10 or 20 year period ends! Life happens. ADA-sponsored Members Level Term
Insurance is there for your needs now and in the unforeseeable future.
Apply for Level Term Life Insurance for Dentists.
Level Term Life premiums are fixed based on the selected duration of 10 or 20 years.
Rates
As an exclusive ADA member, whether you obtain coverage for just yourself or your whole family, you have exclusive access
to highly competitive ADA member-only rates.
You can get a quote now or view our ADA-sponsored Members
Level Term rate chart for males (pdf) here and the
Level Term rate chart for females (pdf) here.
Level Term Life premiums are fixed based on the selected duration of 10 or 20 years.
Features
Features designed for the now
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10 and 20 year level term periods
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Flexible coverage levels: Coverage ranges from $100,000 to $3,000,000
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Spouse and dependent child coverage: Your spouse and dependent child(ren) are also eligible for ADA-sponsored
Members Level Term Life protection. Your spouse is eligible for as much as 100% of your coverage amount (up to a maximum of $1,000,000)
with dependent child(ren) eligible for up to $15,000 in coverage.
Features designed for the unexpected
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Convertibility: Automatically converts to ADA-sponsored Members Annual Renewable
Term Insurance at the then current Standard rates OR can reapply for another 10 or 20 years based
on your age (under ages 65 and 60 respectively)
Should you decide in the future that you want coverage that builds cash values, you can convert some or all of your
for ADA-sponsored Members Level Term Life coverage for universal life insurance under the ADA Term Plus® Universal
Life Plan at any time before age 65.
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Accelerated Death Benefit: Provides for advance payment of up to $200,000 of your death benefit if you are
diagnosed with a terminal illness.
Coverage Lock-In
The plan features that you select when you purchase Term Life coverage with ADA-sponsored insurance plans are in place for the
life of your coverage. Read more about
ADA-sponsored insurance plans coverage Lock-in.*
Level Term Life premiums are fixed based on the selected duration of 10 or 20 years.