Life, dental & vision insurance
Explore your coverage. Apply on your terms.
Explore term life insurance or compare dental and vision plans. You can review your options and continue online without booking an appointment.
Term life insurance
See the term lengths and death benefit amounts available, then continue to current prices. The life page explains what the policy pays and when it pays it.
Explore term life insuranceOpens the term life page, which explains the coverage and links onward to quotes.
Dental & vision
Compare eight NCD dental plans side by side, see what the VSP vision plan covers, and check your providers before you enroll.
Compare dental & visionOpens the comparison page, with plan links that continue to NCD's enrollment site.
Already know you want life coverage?
See Term Life QuotesOpens the Paperless Solutions quote site in this tab. Enter your age, state and coverage amount there to see current prices, then apply if you choose to.
Want to look at dental prices first?
Check Dental Prices & EnrollOpens NCD's enrollment site in this tab. Choose your state and the plan you want there; pricing and enrollment are completed on their site.
Life insurance, in everyday terms
What the money is actually for
Term life pays a death benefit if the insured person dies during an active covered term, subject to the policy's terms. Most households think about it in plain financial terms rather than in slogans.
How term life works- 01Keeping the housing payment current
- A death benefit can give a household room to keep paying rent or a mortgage while it works out what comes next.
- 02Replacing some of the income that stops
- If your paycheck covers groceries, utilities, childcare or transportation, term coverage can stand in for part of it for a set period.
- 03Not draining savings to cover a death
- Final expenses and outstanding debts can pull money out of savings that was meant for something else.
Dental & vision
Compare dental plans and see what vision covers.
Dental and vision are separate coverage choices with their own networks, limits and enrollment. Neither is an add-on to a life policy.
What changes what you pay
- What percentage the plan pays
- Dental plans list plan-paid percentages for preventive, basic and major services, and those percentages often change after the first benefit year.
- Whether your dentist or eye doctor is in the network
- In-network benefits and out-of-network reimbursement can differ a lot. Provider participation can change, so it is worth confirming before you enroll.
- How the allowance works
- Vision benefits are built on allowances and copays for exams, frames, lenses and contacts, with different timing for each.
Before you continue
What to expect
When you are ready, quoting and enrollment continue on the insurer's or plan administrator's own site. Approval, pricing and availability are decided there, not here.
- Step 1
Choose a coverage category
Term life, dental, vision, or all three. Each path opens with a plain explanation of what the coverage does and does not do.
- Step 2
Understand the relevant options
Read the tradeoffs, compare benefit levels, and use the tools only where they help. Nothing is gated behind an account.
- Step 3
Continue to the external quote or enrollment site
Quotes and enrollments are completed on the insurer's or the plan administrator's site. Applying is not the same as being covered.
Online when you're ready. A person when you need one.
Kevin Martin answers questions about what these options mean, with no appointment required, and no obligation to continue to an application. Enrollment and pricing questions outside his scope can be answered directly by the plan administrator or insurer.