Voluntary Products
Voluntary Dental

Group Dental Insurance is an important employee benefit.
We have a wide variety of voluntary dental products available down to two lives.
Click on this button to download a RFP
cbg's CONFIDENT Dental is backed by the rock-solid underwriting of Transamerica Life Insurance Company. There are employer paid plans down to two lives and voluntary plans down to 5 participating lives or 25% of all eligible employees.
Basic Plan (In Network): 100/90/60, 80% R&C, $50 Annual Deductible, $1000 Maximum*
The following options may be available based on group size and contribution:
* The CONFIDENT Incentive PPO plan is not available in all states. We offer a passive PPO or an indemnity plan in those states where the Incentive PPO is not available.
For an RFP click on this button no census is necessary
This is one of the BEST VOLUNTARY DENTAL PLANS on the market. Don’t take our word for it, please take 30 seconds and review some of the benefits listed below. Most companies have some of these benefits but no one has them all. Only the Diamond Voluntary Dental Plan offers ALL of these benefits for groups from 2 lives.
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Flexident makes it simple to complete an employee benefit package with dental coverage that can be customized to suit the business’ needs as well as the employee’s budget.
Whether a business is established and looking for a plan with specific features, or is offering employees dental insurance for the first time and seeking a less expensive option, the Flexident portfolio from The IHC Group offers straightforward, easy to understand benefits.
When it comes to building a dental plan, one size doesn’t fit all. Flexident allows groups of five or more employees to select benefit options that meet their varying budgets and the needs of their employees.
Groups with five or more participating employees are eligible for coverage, no matter how many employees work at the business. Most voluntary plans have continuous open enrollment, which allows employees to join the plan at anytime with no late-entrant penalties or restrictions.
To review all the options available click on this button to view and download the product brochure.
Underwritten by Madison National Life Insurance Company, Inc. and Standard Security Life Insurance Company of New York. Madison National and Standard Security Life are members of The IHC Group, an insurance organization composed of Independence Holding Company (NYSE:IHC) and its operating subsidiaries.
If you want the best protection at a reasonable cost, look no further than KCL Group Benefits Voluntary Dental plan. With an easy enrollment process, quality benefits and reliable service, it’s just what your clients need.
The Voluntary Dental plan has a variety of options allowing you to build a plan that can make employees happy.
Voluntary Dental is available for groups with 10 or more employees enrolled or 20% whichever is more.
Dental plans are available in all states including District of Columbia and the US Virgin Islands except for the following: Minnesota, New Hampshire, Vermont and Wyoming
| Minimum Enrolled | ||||
| Voluntary and Contributory Groups | ||||
| Virgin No Ortho |
Virgin With Ortho |
Voluntary Takeover No Ortho |
Contributory Takeover No Ortho (100% participation) |
Takeover With Ortho |
| 2 |
10 |
6 |
6 |
10 |
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