Enhanced DVH coverage across 39 states

Flexible Choice Dental, Vision & Hearing Plus

Available to sell now in 26 states and on October 10 in AK, AR, CT, DE, KY, ND, NH, NJ, NV, SD, UT, WV, and WY

Flexible Choice Dental, Vision & Hearing (DVH) insurance has been enhanced with:

• No waiting period for dental benefits
• Major dental services coverage increased from 0% to 20% in year 1

The new policy, Flexible Choice DVH Plus, also offers a variety of benefit options, allowing your customers to choose the coverage that best suits their needs and budget:

• Optional 100% coverage for preventive dental services
• Low deductibles of $0, $50, $100, or a disappearing deductible¹
• Eight maximum benefit amounts ranging from $1,000 to $5,000

Flexible Choice DVH Plus will be available to sell on October 10 in AK, AR, CT, DE, KY, ND, NH, NJ, NV, SD, UT, WV, and WY, and can be sold now in AL, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, LA, MI, MS, MO, MT, NC, NE, OH, OK, PA, SC, TN, TX, VA, and WI.

Earn a $25 bonus for every qualifying Flexible Choice DVH and Flexible Choice DVH Plus application you write each month through December 31, 2025, with a minimum of five qualifying applications.² Bonuses are paid the month following policy approval, so you receive what you earn quickly.

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Important note: Effective October 10, 2025, Flexible Choice Dental, Vision & Hearing will no longer be available to sell under distribution in AK, AR, CT, DE, KY, ND, NH, NJ, NV, SD, UT, WV, and WY. All applications, including paper, for Flexible Choice Dental, Vision & Hearing products in these states must be signed and in our office by October 9, 2025.

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^{1. The deductible must be met before benefits are paid for any dental, vision or hearing treatment. The optional disappearing deductible feature is only available on a $100 deductible.}

^{2. Eligible in all states where product is sold. Minimum of five applications; minimum can be achieved by combining Flexible Choice DVH and Flexible Choice DVH Plus. Incentives retroact to first application. From January 1, 2025 to December 31, 2025.}

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