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State variations and restrictions may apply.

The information on this website is not a contract. Benefits are provided through Illinois filed Group Policies and issued to the American Dental Association ("ADA"). Group Policies (TL-P 1-21 Term Life, IP-P 7-20 Disability Income Protection, OE-P 9-20 Office Overhead Expense Disability, TP-P 11-20 Universal Life, LT-P 1-21 Level Term Life, HI-P 11-20 Hospital Indemnity, and CI-P 7-20 Critical Illness) are issued by Protective Life Insurance Company ("PLICO") and provide benefits for residents in all states and US territories except New York. For residents of New York, benefits are provided by Protective Life and Annuity Insurance Company ("PLAIC") via Group Policies (LT-P-NY 2-21 Term Life, IP-P 10-NY 1-21 Disability income Protection, OE-P-NY 1-21 Office Overhead Expense Disability, TP-P-NY 10-20 Universal Life, LT-P-NY 2-21 Level Term Life, HI-P 7-20 Hospital Indemnity, CI-P-NY Critical Illness). The ADA is entitled to receive royalties from the ADA Members Insurance Plans. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the benefits. Level Term Life premiums are fixed based on the selected duration of 10 or 20 years. An insured must maintain ADA membership throughout selected term to remain eligible for insurance. Annually Renewable Term Life, Hospital Indemnity, Critical Illness, and MedCASH premiums increase annually based on age. Recommended premiums under the Term Plus Universal Life plans consist of the cost of insurance (which may vary based on the member’s age and coverage amount), the amount a member places into his/her Policy Value Account and service charge. Premium deposits may fluctuate or remain level depending upon the amount maintained in the Policy Value Account. Disability Income Protection premiums increase every 5 years and Office Overhead Expense every 10 years based on age. Premium credit for Annually Renewable Term Life and Term Plus Universal Life is not guaranteed but reevaluated annually. Premium credit for Disability Income Protection, Office Overhead Expense, Hospital Indemnity, Critical Illness, and MedCASH is not guaranteed but reevaluated semi-annually.

Coverage for dental student members is issued regardless of condition if under 45. If a student member is 45 or older, they can apply for the no-cost coverage and all student program features by providing proof of good health. 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. Benefits are not payable, as defined by the respective policy, for death or disability resulting from a sickness, disorder, physical condition, or symptom that existed or was treated within 12 months prior to enrollment. Student member benefits are provided through Illinois filed Group Policies to the ADA. Group Policies (TL-ST-P 2-21 Term Life and ST-P 8-20 Student Disability) issued by PLICO and provide benefits for residents in all states and US territories except New York. For residents of New York, benefits are provided by PLAIC via Group Policies (TL-ST-P-NY 2-21 Term Life and ST-P-NY 1-21 Student Disability). Each insured will receive a Certificate of Insurance explaining the terms and conditions of the policy.

(PLICO), home office Nashville, TN and licensed in 49 states, excluding New York; and (PLAIC), home office Birmingham, AL and licensed in New York. In New York, the Group Policy and Certificates will be issued 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. Insurance and Annuities are: Not a Deposit | Not Insured by any Federal Government Agency | Have no Bank or Credit Union Guarantee | Not FDIC/NCUA Insured | May Lose Value.

ADA® is a registered trademark of the American Dental Association and Protective® is a registered trademark of Protective Life Insurance Company.

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