DISABILITY INCOME INSURANCE (non-cancellable)
A serious disability due to either illness or accident might completely eliminate your ability to practice. Disability Income Insurance is, therefore, essential and should be among your first priorities. Helps to protect a portion of your income. This policy can  provide benefits at substantial savings up to 25%.

Disability Income Insurance (Radius®)

Disability Income Insurance (Metropolitan Life)  

• Transitional "Own Occupation" Definition to age 65 
  

BUSINESS OVERHEAD EXPENSE INSURANCE
Helps to protect your practice by paying your covered office overhead expenses during periods of disability.

Business Overhead Expense Policy (MassMutual) 

Business Overhead Expense (Metropolitan Life)

BUY/SELL DISABILITY INCOME INSURANCE
Helps to protect your interest in a partnership, corporation or group-owned practice.

Buy/Sell Disability Income Insurance (MassMutual)

LIFE INSURANCE

TERM LIFE INSURANCE

Term Life Insurance
The protection of your family and assets in the event of your death must be an important consideration. The policies available through Treloar and Heisel continue to be competitive and can guarantee** a level rate structure for specific periods (10-15-20 & up to 30 years).

Term Life Insurance
Term Life can help protect individuals with debts, family obligations and short, specified-term financial responsibilities.
 
PERMANENT LIFE INSURANCE
Long-term protection, for your family and assets, is a fundamental consideration. The careful selection, review and update of your permanent life insurance contract stands as an important component of your overall financial plan.

Universal Life Insurance
Provides highly-flexible permanent life insurance policies with conservative, systematic, and tax-deferred cash value component.

Whole Life Insurance
Provides tax-deferred buildup of cash values over the life of the policy, often with more guarantees** than other permanent life insurance products.

Joint Survivor Insurance (Second-to-Die)
Life insurance benefits may be used towards the payment of estate taxes, helping heirs to pay taxes without draining the estate.

LONG-TERM CARE INSURANCE***
The high cost of extended long term care can diminish your savings rapidly and, perhaps, force dependence on others. Long Term Care Insurance is available to you, your spouse, and your family members.

AUTO / HOME INSURANCE
A benefit program which enables you to purchase automobile, homeowners and other comprehensive plans of insurance at low group rates offered by Liberty Mutual with local service and discounted premiums.  Your group number is 4502.  Click here or call 800-225-8281 for a quote.

 PROFESSIONAL LIABILITY COVERAGE
Provided by the largest writer of malpractice coverage for the dental community. Provided by Medical Protective.

BUSINESS OWNERS / WORKERS COMPENSATION COVERAGE
A unique portfolio of insurance protection. Designed by a panel of dentists specifically for a dental practice. Other coverages also offered are: Workers Compensation, Employment Practices Liability and ERISA Bonds. Provided by The Hartford.

* The American Academy of Pediatric Dentistry does not offer insurance products.

** Guarantees are based on the claims paying ability of the issuer.

*** Rates may vary by state of residence. - Plans availability based on the state of residence. - Premiums are level at age of entry unless rates for entire class are raised.

Contact Us
or call us at 800-345-6040 for more info.