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Take advantage of the Graduate Offer

Thousands of new dentists have chosen ADA® Members Insurance Plans, underwritten by Protective®. Our Graduate Offer makes it an easy choice with no gaps in coverage as you transition to your career as a new dentist.

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Take advantage of the Graduate Offer
Introduction Picture
Introduction Picture

Thousands of new dentists have chosen ADA® Members Insurance Plans, underwritten by Protective®. Our Graduate Offer makes it an easy choice with no gaps in coverage as you transition to your career as a new dentist.

Why should I convert my student coverage?

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Lets you focus on your career hassle-free

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No applications, medical exams, or lengthy underwriting — acceptance is guaranteed

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Cost competitive rates when you need them most

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Comprehensive coverage options designed for new dentists from a carrier you can trust

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Learn more about converting your coverage
Watch video

Take advantage of our Graduate Offer now and enroll in Autopay to get more comprehensive, coverage for less than $2 a day1. See coverage estimates

Enroll in Autopay

How does the Graduate Offer work?

There are two ways to take advantage of the Graduate Offer: 
1.
Simply enroll in Autopay by October 31st of your graduation year.

This will allow you to seamlessly pay your premiums for your new dentist life and disability coverage under ADA® Members Insurance Plans. Your first premium will be automatically transferred from your bank account on January 1st after your graduation year, giving you time to settle into your new profession.

2.
Pay your premium after it arrives in December to accept the Graduate Offer.

Your premium is due January 1st after your graduating year. 

Enroll in Autopay

What to expect in your D4 year and after graduation

Here’s a quick timeline for upcoming graduates to follow. Mark it on your calendars.

What will my student coverage convert to?

Life insurance

Your ADA student Term Life Insurance can convert to: 

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ADA Term Life Insurance Plan

Provides a lump sum payout to support the people or causes that matter most to you.

$100,000 of ADA Term Life Insurance

$100,000 of Accidental Death coverage and Waiver of Premium benefit

Your coverage estimate:

Term Life Insurance with Accidental Death coverage and Waiver of Premium Option:
$33/year male and $26/year for females.2

Disability insurance

Your student disability insurance and student loan repayment benefits can convert to one or both disability insurance plans: 

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ADA Members Disability Income Protection

To help replace your income if you can't practice in your specific area of dentistry due to a disabling illness or injury. $2,000/month up to age 67.

Your coverage estimate:

$141 semiannually for males and $209 semiannually for females.2
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ADA Members Office Overhead Expense Disability

Helps to repay student loan payments if you can't practice due to a disability. $2,000/month for a maximum of two years.

Your coverage estimate:

$25 semiannually for males and $53 semiannually for females.2

Both insurance plans offer true "own occupation" coverage. That means if you are disabled, you'll receive benefits even if you choose to work in another area of dentistry or in a new profession. 

Connect with an Insurance Plan Specialist

Request a free consultation

or call 866-607-5338 for assistance (weekdays from 8:30 a.m. to 5 p.m. Central Time)

1Approximate 2025 premiums for 30-year-old male and 30-year-old female member divided by 365 calendar days.

2Term Life, Disability Income Protection and Office Overhead Expense Disability Insurance rates range based on age and gender. 2025 premiums for a 30-year-old male and a 30-year-old female rounded to the nearest dollar for $100,000 of Term Life with Accidental Death and Waiver of Premium options, $2,000/month of Disability Income Protection Insurance with a 90-day waiting period and $2,000/month of Office Overhead Expense Disability Insurance with a 30-day waiting period and maximum benefit of 24 times the insured amount. Term Life standard annual premiums are effective as of 1/1/25 and include a 32% Premium Credit discount. Disability Income Protection annual premiums are effective as of 5/1/24 and include a 26% Premium Credit discount. Office Overhead Expense annual premiums are effective as of 2/1/24 and include a 45% Premium Credit discount. The Premium Credit shares favorable financial results with Plan participants. The Premium Credit is not guaranteed, but reevaluated periodically, which may impact rates shown above. Premiums increase based on age with Term Life premiums increasing annually, Disability Income Protection premiums increasing every 5 years and Office Overhead Expense premiums increasing every 10 years to age 60 and every 5 years thereafter.

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The information on this website is not a contract. Protective refers to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life and Annuity Company (PLAIC). PLICO, founded in 1907, is located in Omaha, NE and is licensed in all states excluding New York. PLAIC is located in Birmingham, AL, and is licensed in New York.

Protective® is a registered trademark of PLICO. The Protective trademarks, logos and service marks are property of PLICO and are protected by copyright, trademark, and/or other proprietary rights and laws. ADA® is a registered trademark of the American Dental Association (ADA). ADA Members Insurance Plans® is a registered service mark of the ADA. The ADA trademarks, logos, and service marks are the property of the ADA and used by Protective with permission. In some states, the ADA is entitled to receive royalties from the ADA Members Insurance Plans.

ADA Members Insurance Plans refers to the group life, disability, and supplemental medical policies issued by PLICO and PLAIC to the ADA.

Policies issued by PLICO in all states except New York: Term Life Insurance1 (TL-P 1-21), Student Term Life Insurance (TL-ST-P 2-21), Universal Life Insurance1 (TP-P 11-20), Level Term Insurance2 (LT-P 1-21), Disability Income Protection Insurance3 (IP-P 7-20), Office Overhead Expense Disability Insurance4 (OE-P 9-20), Student Disability Income Insurance3 (ST-P 8-20), Hospital Indemnity Insurance (HI-P 11-20) not available in New Mexico, and Critical Illness Insurance (CI-P 7-20).

In New York, policies issued by PLAIC: Term Life Insurance1 (TL-P-NY 1-21), Student Term Life Insurance (TL-ST-P-NY 2-21), Universal Life Insurance1 (TP-P-NY 2-21), Level Term Life Insurance2 (LT-P-NY 2-21), Disability Income Protection Insurance3 (IP-P-NY 12-20), Office Overhead Expense Disability Insurance4 (OE-P-NY 01-21), Student Disability Income Insurance1 (ST-P-NY 1-21), Hospital Indemnity Insurance (HI-P-NY 1-21), and Critical Illness Insurance (CI-P-NY).

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 ADA. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. An insured must maintain continuous ADA membership to remain eligible for insurance.

1For term life insurance and universal life insurance, premiums increase annually based on age. The Premium Credit is not guaranteed but reevaluated periodically. Universal life recommended premiums consist of the costs of insurance (which 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.

2For level term life insurance, premiums are fixed based on the member’s age, gender and coverage amount at issue.

3Premiums increase every five years based on age for disability income protection. Premium Credit is not guaranteed but reevaluated periodically.

4Premiums increase every 10 years based on age to age 60 and every 5 years thereafter to age 75 for office overhead expense disability. Premium credit is not guaranteed but reevaluated periodically.

Coverage for dental student members is issued regardless of condition if under age 60. Coverage automatically renews each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying member premiums and maintaining continuous ADA membership.

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