Life Insurance Coverage

GDIS offers term life insurance available in an increasing term or level term policy. A traditional term policy is guaranteed renewable with premiums increasing annually. Level term policies are guaranteed renewable and have level rates for the first 10, 15, 20, or 30 years. After the level term period ends, premiums would increase annually.

Term life insurance provides for life insurance coverage for a specified term of years for a specified premium. The policy does not accumulate cash value. Term is generally considered pure coverage, where the premium buys protection in the event of death and nothing else. Term insurance premiums are typically low because both the insurer and the policy owner agree that the death of the insured is unlikely during the term of coverage.

Term assurance is a straightforward protection business. A policy holder insures his or her life for a specified term. If he or she dies before that specified term is up, his or her estate or named beneficiary(ies) receive(s) a payout. If he or she does not die before the term is up, he or she receives nothing.

Get a Quote on the Coverage

There are several ways you can obtain a quote for GDIS term life coverage. You may print a quote form (in PDF format) by clicking here. Or, you may complete an online quote by clicking here. You may submit you completed online form to the GDIS office for a prompt review. Finally, you may contact Denis Mucha at Georgia Dental Insurance Services. Call (800) 432-4357 in Georgia, (404) 636-7553, or email mucha@gadental.org.