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ADA Members Insurance Plans

The ADA Members Insurance Plans offer competitive rates and superior coverage with great options to meet your needs at every point in your dental career.

All of the insurance plans are available exclusively to ADA
members and offer special member-only pricing.

Life Insurance for Dentists
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ADA Term
Life Insurances

Up to $3,000,000 in
death benefit.

See Plan Details
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ADA Level Term Life
Insurance

10 and 20-year
level terms.

See Plan Details
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ADA Term Plus® Universal
Life Insurance

Life insurance PLUS
a guaranteed minimum interest
rate of 2.5%.*

See Plan Details
Disability Insurance for Dentists
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ADA Disability
Income Protection
Insurance

Personal disability income
insurance with up to $15,000
per month in full "own
occupation" benefits.

See Plan Details
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ADA Office Overhead
Expense Disability
Insurance

Up to $25,000 per month in
disability protection that helps
cover business expenses for
your practice.

See Plan Details
Supplemental Medical Insurance for Dentists
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ADA Critical Illness
Insurance

Supplemental medical
insurance that provides a
lump-sum cash payment if
diagnosed with one of 17
critical illnesses.

See Plan Details
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ADA Hospital Indemnity
Insurance

Get up to $1,000 cash for
each day you are hospitalized
or undergoing qualifying
pregnancy-related and
outpatient treatments.

See Plan Details
Insurance for Dental Students
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ADA Student Members
Term Life Insurance

$50,000 of no cost Term Life
Insurance and $50,000
Accidental Death benefit

See Plan Details
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ADA Student Members

$2,000/month of no-cost
disability insurance plus up to
$150,000 in student loan
protection.

See Plan Details

* Term Plus Universal Life certificate holders prior to November 1, 2011, receive a separate guaranteed minimum interest rate. However, the multiple-year interest rate lock-in feature previously available has been discontinued.

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The information on this website is not a contract. Protective and Protective Life refer to Protective Life Insurance Company (PLICO) Nashville, TN, and its affiliates, including Protective Life and Annuity Insurance Company (PLAIC) located in Birmingham, AL. Insurance products are issued by PLICO in all states except New York, and in New York by PLAIC. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Protective® is a registered trademark of Protective Life Insurance Company. The Protective trademarks, logos and service marks are property of Protective Life Corporation and are protected by copyright, trademark, and/or other proprietary rights and laws. ADA® is a registered trademark of the American Dental Association. The ADA trademarks, logos, and service marks are the property of the American Dental Association and used by Protective with permission.

TL-P 1-21 is term life insurance policy, TL-ST- P 2-21 is student term life insurance policy, LT-P 1-21 is a level term life insurance policy, and TP-P 11-20 is a universal life insurance policy issued by PLICO in all states except New York where it is issued under form (TL-P-NY 1-21, TL-ST-NY 2-21, LT-P-NY 2-21, TP-P-NY 2-21) by PLAIC. Policy form numbers, product features, and availability may vary by state. 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 American Dental Association (ADA). Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. In some states, the ADA is entitled to receive royalties from the ADA Members Insurance plans. An insured must maintain ADA membership throughout the selected term to remain eligible for insurance. For level term life insurance, premiums are fixed based on the member's age and coverage amount. For universal life insurance premium Credit is not guaranteed but reevaluated semi-annually. Recommended premiums consist of the cost of insurance (which may 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 depending on the amount maintained in the Policy Value Account.

IP-P 7-20 is a Disability Income policy, ST-P 8-20 is a student disability policy, OE-P 9-20 is an Office Overhead Expense Disability policy, CI-P 7-20 is a Critical Illness policy, HI-P 11-20 is a Hospital Indemnity insurance policy issued by PLICO in all states except New York where it is issued under form (IP-P-NY 12-20, ST-P-NY 1-21, OE-P-NY 1-21, CI-P NY, HI-P 7-20) by PLAIC. Policy form numbers, product features, and availability may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy and issued to the American Dental Association. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. Premiums increase every five years for Disability Income. Premiums increase every 10 years based on age for Office Overhead Expense Disability. Premium credit is not guaranteed but reevaluated semi-annually.

Coverage for dental student members is issued regardless of condition if under 60. Coverage automatically renews each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying ADA member premiums and maintaining ADA membership.

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