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Voluntary Products

Voluntary Dental

Voluntary Group Dental Insurance

KCL 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 Voluntary Dental
Diamond Voluntary Dental
KCL Voluntary Dental

CONFIDENT Dental

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.

Group CONFIDENT UHIC Dental Plan

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:

$1250, 1500 or $2000 annual minimum
Elimination of waiting periods
Orthodontia $1000 or $1500 lifetime maximum
Endodontics, Periodontics and Oral Surgery in basic
90% Reasonable and Customary
$25 Deductible

* 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

Diamond Voluntary Dental

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.

No Waiting Periods
100/80/10 1st 12 Months
100/80/50 13th Month After
$100 Lifetime Deductible - For All Classes
No Participation Requirement
Minimum of Only 2 Lives

Choose Any Dentist - Total Freedom of Choice
Calendar Maximums
$1,000 1st Year
$1,250 2nd Year
$1,500 3rd Year & After
Orthodontics Available Down to 2 Lives

Choose any Dentist!
100% Usual, Reasonable, and Customary Benefits No Deductible	TYPE I – PREVENTIVE SERVICES Two exams per year; Two Cleanings per year; One topical fluoride per year to age 16; One series of bitewing x-rays per year
80% Usual, Reasonable, and Customary Benefits	TYPE II – BASIC SERVICES Basic filings; Space maintainers; Sealants (children to age 16); Simple Extractions
10% Usual, Reasonable, and Customary Benefits 50% after One Year	TYPE III – MAJOR SERVICES Oral Surgery; Endodontic Treatment; Periodontic services; Crowns, inlays and onlays; Prosthetic services, bridges and dentures; One diagnostic x-ray, full or panoramic in any 3 year period.
$100.00 Lifetime Per Person	Lifetime deductible applies only to: TYPE I – BASIC SERVICES TYPE II – MAJOR SERVICES TYPE III – MAJOR PROSTHETIC SERVICES
$1,000 Year 1 $1,250 Year 2 $1,500 Year 3	POLICY YEAR MAXIMUM – Per person per policy year. Applies to all types of services.

Brochure
For all States
View Brochure (PDF: 377k)

Rates
Rates apply to all States
View Rates (PDF: 277k)

Applications

Employer Applications
Select your state from the dropdown list below.

(PDF: 39k average)

Employee Applications
View Employee Application (PDF: 26k)

Agent Contract
View Agent Contract (PDF: 127k)

KCL Voluntary Dental

Quality protection. Low cost.

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.

KCL Voluntary Dental