Term Life Insurance
A fixed amount for a fixed number of years, at the lowest cost per dollar of cover.
Read more →Life & Health
Dental Insurance
Preventive, basic and major dental work on a tiered schedule.
What this cover does
Dental plans are built around a tier structure: preventive care is usually covered in full, basic work at a share, and major work at a lower share, all under an annual maximum that has barely moved in decades. Knowing the maximum is the whole game.
Typically included
- Preventive — examinations, cleanings and x-rays
- Basic — fillings, extractions and root canals, at a cost share
- Major — crowns, bridges, dentures and implants, at a lower share
- Emergency treatment for pain and trauma
Common add-ons
- Orthodontic cover for children and adults
- Higher annual maximums
- Plans with no waiting period on major work
- Implant cover, which many base plans exclude
Questions
What people ask about dental
Is there a waiting period?
Usually yes for basic and major work — commonly six to twelve months — to stop people buying cover the week before a crown. Preventive care normally starts immediately.
What is the annual maximum?
The most the plan pays in a year, often between 1,000 and 2,000 dollars. Anything above it is yours. For a large treatment plan, staging work across two plan years is often worth discussing with your dentist.
Often taken together
Related cover
Whole Life Insurance
Permanent cover with a guaranteed death benefit and a cash value that builds.
Read more →Quote Dental Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.