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When you subscribe to receive electronic newsletters and communications from ADA Members
Insurance Plans, you will have access to upcoming special promotions and timely, useful insurance
Level Term Life
Disability Insurance for Dentists
Disability Income Protection
Office Overhead Expense
Supplemental Medical Insurance for Dentists
Insurance for Dental Students
Student Term Life
Dentists:This website is not a contract. Benefits provided under respective Group Policy Nos. (104TLP Term Life, 1105GDH-IPP Disability
Income Protection, 1106GDH-OEP Office Overhead Expense Disability, 104GUL Universal Life, 104LTLP Level Term Life, and 1107GH-MCP MedCASHSM) issued to
the American Dental Association, underwritten by Great-West Life & Annuity Insurance Company, 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. Term Life 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 Term Life and Term Plus Universal Life is not guaranteed but reevaluated annually. Premium credit for
Disability Income Protection, Office Overhead Expense, 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 prior to enrollment. Benefits are provided under
respective Group Policy Nos. (104TLP 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 FinancialSM 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
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