SECURIAN - GROUP DENTAL

Securian Dental is a partner with Decare Dental Health International and Securian Life Insurance Company. Securian Life Insurance Company is rated "A" (Excellent) by A.M. Best and is one of the Minnesota Mutual Companies. DeCare International oversees dental benefits for 3.9 million individuals and 13,775 employer groups.

The Securian plans are "Easy to understand, Easy to use, and Easy to afford". Included are 3 voluntary and 4 employer paid designs. These plans can be easily customized to meet plan design and/or budget targets. Features of these plans include:

-- No waiting periods on employer paid plans

-- Offers medical lock discounted rates for groups whose dental enrollment matches their medical enrollment

-- Annual open enrollment for groups of 10-249 employees

-- 8% premium reduction for prior comparable coverage