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Level Term Life Insurance Plan

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:

  • Have a practice loan that will be paid off within 10 or 20 years?
  • Need enough coverage until you retire or your kids are finished with college?
  • Have a variety of short- and mid-term financial obligations until you retire?
  • A mortgage that might be paid off within 20 years?

The ADA provides you with choices and insurance coverage up to $3,000,000.

  • 10-year Level Term: available to ages 22 to 65
  • 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

  • 10 and 20 year level term periods
  • Flexible coverage levels: Coverage ranges from $100,000 to $3,000,000
  • 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

  • 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.

  • 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.


Dentists:This website is not a contract. Benefits provided under respective Group Policy Nos. (104TLP Annually Renewable Term Life, 1105GDH-IPP Disability Income Protection, 1106GDH-OEP Office Overhead Expense Disability, 104GUL Universal Life, 104LTLP Level Term Life, 1117GH-HIP Hospital Indemnity, 1127GH-CIP Critical Illness, and 1107GH-MCP MedCASHSM) issued to the American Dental Association, underwritten by Great-West Financial, and filed in accordance with and governed by Illinois law. The ADA is entitled to receive royalties from the ADA Members Insurance Plans. Coverage is available to all eligible ADA members residing in any U.S. state or territory. Level Term Life premiums are fixed based on the selected duration of 10 or 20 years. Must maintain membership throughout selected term. Annually Renewable Term Life, Hospital Indemnity, Critical Illness, and MedCASH premiums increase annually based on age. Recommended premiums under the Term Plus® Universal Life plan consist of the cost of insurance (which may vary based on the member’s age and coverage amount), the amount chosen by the member for deposit into his/her Policy Value Account and a 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. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy.


Dental Students: This website is not a contract. Student coverage is issued regardless of your medical condition if you are under 45, but 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 12 months prior to enrollment. Benefits are provided under respective Group Policy Nos. (104TLP Annually Renewable Term Life and 1108GDH-SDP Student Disability) filed in the state of Illinois in accordance with and governed by Illinois law, issued to the American Dental Association, and underwritten by Great-West Life & Annuity Insurance Company. If you are 45 or older, you can apply for the no-cost coverage and all student program features by providing proof of good health. Coverage renews automatically each academic year. Each insurance plan participant will receive a Certificate of Insurance explaining the terms and conditions of the respective policy. Individuals may convert coverage to the plans for practicing dentists after graduation according to policy guidelines by paying ADA member premiums and maintaining ADA membership. See legal information above for the ADA-sponsored insurance plans for practicing dentists.


ADA® is a registered trademark of the American Dental Association.


Great-West Financial® refers to products and services provided by Great-West Life & Annuity Insurance Company, Greenwood Village, CO, its subsidiaries and affiliates. The trademarks, logos, service marks, and design elements used are owned by Great-West Life & Annuity Insurance Company. © 2017 Great-West Life & Annuity Insurance Company. All Rights Reserved. For website issues, contact the Webmaster at ADA_WebMaster@greatwest.com.

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