ADA Members Life
Insurance Plans
Underwritten by Protective® Whether you're obtaining life insurance to provide financial protection for your loved ones, use as a collateral for a loan, or fund a buy-sell agreement, you have options — at exclusive ADA member rates.
Introduction Picture
ADA Members Life
Insurance Plans
Underwritten by Protective®
Introduction Picture
Introduction Picture
Whether you're obtaining life insurance to provide financial protection for your loved ones, use as a collateral for a loan, or fund a buy-sell agreement, you have options — at exclusive ADA member rates.

Let us help you choose

We offer three different life insurance plans to meet the unique needs of ADA members and their families.
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ADA Term
Life Insurance

Provides financial protection at premiums that start low based on your age.

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ADA Level Term Life
Insurance

Offers a low, fixed ADA member premium for a 10- and 20-year term.

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ADA Term Plus®
Universal Life Insurance

Life insurance that delivers a built-in tax-advantaged savings feature.

Find the right coverage for you

The comparison table below will help you understand the differences between the ADA Members Life Insurance Plans, so you can choose the right coverage for you.

ADA Term
Life Insurance
ADA Level Term
Life Insurance
ADA Term Plus® Universal
Life Insurance Plan
Minimum coverage amount $50,000 $100,000 $50,000
Maximum coverage amount1 $3,000,000 $3,000,000 $3,000,000
Fixed, level premium Premiums gradually increase based on your age Premiums are fixed for a 10-year or 20-year term Premiums gradually increase based on your age
Age of eligibility2 Under age 65 Can apply for a 20-year term if under age 60 or a 10-year term if under age 65 Under age 65
Renewable until Age 81 Option to roll 10- OR 20-year terms into term life or universal life, which is renewable up to age 901 Age 90
Builds cash value No No Yes
Spouse and dependent coverage Yes Yes No3
Accelerated death benefit Up to $200,000 if diagnosed with a terminal illness Up to $200,000 if diagnosed with a terminal illness Up to $200,000 if diagnosed with a terminal illness
Disability waiver of premium option Yes No Yes
Accidental death option4 Yes, maximum benefit of $1,000,000 No Yes, maximum benefit of $1,000,000
Volume discounts Yes No Yes
Premium credit discounts5 Yes No Yes
Medical underwriting Yes6 Yes6 Yes6
Underwriting rate classes Yes Yes Yes
Ability to convert coverage to Term Plus® Universal Life Yes Yes N/A

Ready to get started?

Understand your life insurance options. Get an instant no-obligation quote or apply.

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ADA Term
Life Insurance
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ADA Level Term Life
Insurance
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ADA Term Plus®
Universal Life Insurance

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.

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

2Beginning at age 65, coverage amounts can no longer be increased.

3If member has Term Plus® Universal Life Insurance, then spouse/dependent is eligible for ADA Term Life Insurance coverage.

4The accidental death option benefit reduces by 50% at attained 66 and terminates at attained age 76.

5Premium Credit discounts share favorable financial results with Plan participants. The Premium Credit discount is not guaranteed, but reevaluated periodically. Term Life and Term Plus Universal Life premiums increase annually based on age. The accidental death option benefit reduces by 50% at attained 66 and terminates at attained age 76.

6Preferred rates are available to the healthiest individuals who have low-risk health and lifestyle characteristics. Your eligibility will be determined through medical underwriting.

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