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Did you know that this insurance doesn't cost ADA student members a penny?

It's true - Eligible ADA student members can recieve $50,000 of ADA Student Members Term Life Insurance at no cost! This is a big deal because you won't have to pay any premiums for your life insurance while you're a dental student or resident.

But why do I need life insurance now?

You have the opportunity to earn a substantial income while practicing dentistry, but income is only one part of your financial future. Picture this, you want to purchase a dental practice, but don't have hundreds of thousands of dollars. So, you'll probably need a significant loan, which would require collateral. Dentists routinely use life insurance as collateral for a practice loan. Get this protection in place now while you're still young and healthy, and you'll be better prepared for the next big step.

The sooner you start, the sooner you will be protected.

Life insurance is an essential tool for managing long-term financial risk, as well as building your financial future. Some of the ways you can leverage your ADA members annually renewable life insurance:

• Debt protection: ADA members annually renewable life insurance protects your family by helping to pay off your student loans in the event of your death
• Dental practice start-up and/or acquisition financing: ADA members annually renewable life insurance serves as collateral for a loan to build or buy your own dental practice
• Protecting your insurability: getting ADA members annually renewable life insurance now enables you to be protected and stay protected while your career advances, regardless of your health as you get older

Features of the ADA Student Members Term Life Insurance Plan include:

• $50,000 of Term Life insurance
• $50,000 of Accidental Death coverage
• Ability to apply for extra insurance for yourself, or your spouse, at discounted rates for ADA members.

Already have NO-COST Student Term Life insurance and want more?

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 resulting from a sickness, disorder, physical condition, or symptom that existed or was treated 12 months prior to enrollment.

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Rates

ADA-sponsored Student Members Term Life Insurance Plan - NO COST for Dental Students

Yep, that's right. It doesn't cost you a dime. $50,000 in ADA Student Members Term Life insurance is NO COST to ADA student members until you complete dental school or residency.

Want more? If you want more protection during dental school, you can apply for up to a total of $500,000 of ADA Annually Renewable Term Life coverage. And in your graduation year, you can apply for up to the Plan maximum of $3,000,000 to further prepare for your transition into clinical practice and ownership.

You can also apply for coverage for your spouse, domestic partner, and/or eligible children. Every person insured under the ADA-sponsored members insurance plans, once medically approved, pays the same low premiums reserved for ADA members, which are based on participant's age and increase modestly each year.

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 resulting from a sickness, disorder, physical condition, or symptom that existed or was treated 12 months prior to enrollment.

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Features

Through the ADA Student Members Term Life Insurance Plan, you get the same great coverage that practicing ADA member dentists get — but at NO COST to you! As long as you are an ADA student member and request activation of coverage on or before May 1^st of your graduation year, you'll receive $50,000 in Annually Renewable Term Life coverage. If you're age 45 or older, proof of insurability will be required before your coverage can become effective.

• $50,000 in Term Life insurance, which automatically renews each academic year (even through residency or post-doctoral study)
• $50,000 in Accidental Death coverage, payable if death is caused by accidental means
• Waiver of Premium benefit is included
• Both the life and accidental death benefit automatically doubles to $100,000 on July 1 of the year you complete your studies
• Ability to apply anytime for insurance for yourself or your dependents
• Option to convert your coverage after graduation at rates exclusively for practicing ADA member dentists

Why do I need insurance now, before I start practicing?

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 resulting from a sickness, disorder, physical condition, or symptom that existed or was treated 12 months prior to enrollment.

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