Welcome
FACT: Seniors have a greater need for dental
care than any other age group.
We never outgrow our need to visit the dentist.
Unfortunately, too often the cost of quality dental care may exceed what many
living off a retirement income can easily afford.
Here’s a different kind of dental plan. It was designed with the dental procedures seniors most commonly
need in mind. This is a dental plan for people like you.
Some dental plans limit policyholders to unfamiliar network providers, require long waiting periods before
you become eligible for basic services or offer limited coverage. Not so with Supplemental Senior Dental
Insurance from Constitution Life Insurance Company!
Finally, a senior dental plan that gives you the freedom to choose your own dentist,
and provides practical, comprehensive benefits that suit your needs as a senior.
So Smile, We’ve got you covered!
At a Glance
• No network -use your own dentist • No copayment
• No deductible • No application fee
• Guaranteed issue for age 63 and over
• Guaranteed renewable • Premiums won’t increase due to age
(GEORGIA= AREA B) (SOUTH CAROLINA = AREA B) (VIRGINIA= AREA C)
Use Any Dentist
This insurance pays benefits up to the maximum amount regardless of which dentist you use.
Choice of Annual Maximum
Depending on the plan you select, your maximum annual benefit will be from $1,500 up to $6,000 —
Currently one of the highest maximums available for this type of insurance.
Two Plans to Choose From
Which works best for you? Our Standard Plan with low monthly premiums or the Enhanced Plan
with a reasonable monthly premium. Both are designed with your dental needs in mind.
Guaranteed Acceptance, Guaranteed Renewable
All applications will be accepted, subject to minimum age of 63, and this plan is guaranteed renewable.
You can never be canceled as long as you continue to pay your scheduled premiums. (Rates may be
adjusted for all policyholders periodically).
No Deductible
Your plan will pay for covered benefits without you having to meet a deductible first.
For Individuals 63 and Over and Their Spouses*
This plan is for seniors aged 63 or over. However, spouses are eligible for coverage — regardless of age.
* Includes civil unions, registered domestic partners, legal partners, as required by state law.
Sensible Waiting Periods
To keep premiums low and benefits high, waiting periods may apply before benefits can be paid for
certain procedures. Every effort has been made to make these waiting periods reasonable.
To Speak With a Representative Call 1-866-793-8227
Visit our Medicare Supplement Page to find out how a Medicare plan M or N can save your up to 30% on your current Medicare supplement coverage
Exclusions and limitations:
Services that are not included on the LIST OF COVERED DENTAL SERVICES will not be covered under this policy.
This policy has waiting periods for some covered services that range from 6, 12 or 18 months.
Policy Form Series CLDEN 09
THIS IS A LIMITED BENEFIT DENTAL INSURANCE POLICY.
THIS IS NOT THE INSURANCE CONTRACT AND ONLY THE ACTUAL POLICY PROVISIONS WILL CONTROL.
The policy itself sets forth in detail the rights and obligations of both you and your insurance company.
So it’s important that you read your policy carefully! Constitution Life is not connected with or
endorsed by the U.S. government or the federal Medicare program.
This is a solicitation for insurance. An agent may contact you.
www.seniordentalins.com
