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ADA Student Members Insurance

life insurance plans for dental students

ADA Student Members Insurance Plans are provided to eligible students at no cost as a benefit of your ADA student membership.

Register and activate your no-cost ADA Student Members Insurance today.

You can't prevent a serious injury or illness from happening. But you can prepare for it. When you activate ADA Student Disability and Term Life Insurance Plans, you will have the financial protection you need for you and your loved ones — at no cost — while you’re in school and during your residency.

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Disability Insurance for Dental Students

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Term Life Insurance for Dental Students

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Graduate Conversion Offer

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The Bridge

The Bridge is a newsletter designed exclusively for Dental Students. It's a practical guide for future dentists as they approach the finish line toward graduation and entering practice. It provides tips, resources and articles for managing money, dealing with stress and what to expect before you begin your career in dentistry.

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Disability Insurance for Dental Students

ADA Student Disability Insurance protects the investment you’re making in your dental career by providing a source of monthly income if an illness, injury or accident prevents you from completing dental school or performing your duties as a dental student.

Coverage includes:

  • Up to $2,000 per month for up to 7 years of disability coverage
  • Up to $2,000 per month of loan repayment protection (up to $150,000 total)
See Plan Details
Term Life Insurance for Dental Students

$50,000 of coverage in the ADA Student Term Life Insurance Plan. This life insurance provides debt protection for your student loans and other financial obligations.

Coverage includes:

  • $50,000 lump sum death benefit
  • $50,000 accidental death coverage
  • Coverage automatically doubles to $100,000 on July 1 of the year you graduate.
See Plan Details
Seamless Graduate Conversion Offer

When you have this no-cost insurance as a student, you have the opportunity to convert it to the ADA Members Insurance Plans for practicing dentists in January of your D4 year — at competitive member rates. This conversion is acceptance guaranteed, which means you don’t need to fill out an application or take a medical exam. Review conversion details for Term Life and Disability Insurance for Dental Students.

Learn More

Your first step is to register online to set up your account. You can then request activation of your insurance coverage. Once your online account is set up, you will be able to view the details of your coverage and update your contact information.

Have Questions?

FAQs
Guide to ADA no cost Student Members Insurance

Resources

Which Insurance Is Right for You After Graduation
7 Ways an Insurance Plan Specialist Can Help

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Questions? Talk with an Insurance Plan Specialist at 866-607-5338 for assistance
(weekdays from 8:00 am to 6:00 pm Central Time)
or Email ADAPlanSpecialist@protective.com.

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. Protective and Protective Life refer to Protective Life Insurance Company (PLICO) located in 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. TL-ST-P 2-21 is term life insurance policy issued by PLICO in all states except New York where it is issued under form (TL-ST-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. ST-P 8-20 is a disability policy issued by PLICO in all states except New York where it is issued under form (ST-P-NY 1-21) 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 through the ADA and issued to the American Dental Association. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy.
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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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