Due to the length of the Terms we wanted to put them on another page so it does not make our Blog load slower.

To learn more about Dental Terminology please click this link. You will stay at our site.

Dental Insurance Terminology

Term Life Insurance

Term Life Insurance has no cash value account. Death benefits will be paid only if you die within that term of years. Term insurance generally provides the largest immediate death protection for your premium dollar.

Term Life Insurance is death protection for a term of one or more years. Some companies are offering policies with terms up to thirty years. Premiums on term insurance remain level during the life of the policy.

Some Term Life Insurance policies are renewable for one or more additional terms even if your health has changed.

Some policies are also convertible. This means that before the end of the conversion period, you may trade the term policy for a whole life or endowment insurance policy even if you are not in good health.

Whole Life Insurance

Whole life insurance gives death protection for as long as you live and the most common type is called straight life insurance, for which you pay the same premiums for as long as you live.

Some whole life policies let you pay premiums for a shorter period such as 20 years, or until age 65. Premiums for these policies will be higher than ordinary life insurance.

A policy with cash values may also be used as collateral for a loan. If you borrow from the life insurance company, the rate of interest is shown in your policy. Any money which you owe on a policy loan would be deducted from the benefits if you were to die, or from the cash value if you were to stop paying premiums.

Variable Life Insurance

Variable life insurance, provides permanent protection for you and death benefits to your beneficiary upon your death. Most variable life insurance policies guarantee that the death benefit will not fall below a specified minimum.

Variable is a form of whole life insurance and because of investment risks it is also considered a securities contract and is regulated as securities under the Federal Securities Laws and must be sold with a prospectus.

Universal Life Insurance

Universal Life insurance is a variation of Whole Life.

• The insurance part of the policy is separated from the investment portion of the policy.

• The investment portion is invested in bonds and mortgages, the investment portion of Universal Life is invested in money market funds.

• The cash value portion of the policy is set up as an accumulation fund.

• Investment income is credited to the accumulation fund.

• The death benefit portion is paid for out of the accumulation fund.

Unlike Whole Life Insurance, the cash value of Universal Life Insurance grows at a variable rate. Normally, there is a guaranteed minimum interest rate applied to the policy. No matter how badly the investments go by the insurance company, you are guaranteed a certain minimal return on the cash portion. If the insurance company does well with its investments, the interest return on the cash portion will increase.

Variable-Universal Life

Variable universal life insurance pays your beneficiary a death benefit. The amount of the benefit is dependant on the success of your investments. If the investments fail, there is a guaranteed minimum death benefit paid to your beneficiary upon your death.

Variable universal gives you more control of the cash value account portion of your policy than any other insurance type. A form of whole life insurance, it has elements of both life insurance and a securities contract. Because the policy owner assumes investment risks, variable universal products are regulated as securities under the Federal Securities Laws and must be sold with a prospectus.

Rates and coverage vary form state to state. Shop around on your own and talk to an independent insurance agent to make sure you get a plan that's right for you. It's amazing how much rates may vary from company to company for the same coverage.

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Visit the Dentist. Schedule regular oral appointments every six months, or as recommended by a dental care professional. A good teeth cleaning and polishing not only keeps a smile free of serious conditions that can impact its appearance, but also removes stains for a whiter smile.

A dazzling smile and white teeth have become everyone's beauty must-have. In fact, an American Academy of Cosmetic Dentistry survey revealed that 92 percent of respondents say that an attractive smile is an important social asset. "Almost all of my patients ask what they can do to achieve an eye-catching grin," says New York City celebrity Dentist Dr. Jennifer Salzer. I'm quick to remind them that obtaining a beautiful, healthy smile can be as simple as adopting small steps that can make a big difference." Dr. Salzer recommends the following:

Think two-in-one whitening. Use a toothbrush with a whitening property to achieve a luminous smile without adding an extra step to beauty routines. "I encourage my patients to use a brush that whitens while it cleans, providing two benefits in one step." Salzer recommends the new Crest SpinBrush Pro Whitening, a battery-powered brush with a dual-motion brush head of oscillating and back-and-forth shifting bristles. For less than $8, it removes up to 88 percent of surface stains, whitening teeth in just 14 days.

Achieve a 360 degree grin. A gorgeous smile doesn't stop at those pearly whites, so be sure to care for lips as well. Create an at-home smile spa treatment, exfoliating the lips with a homemade mixture of sugar and olive oil. Also, use lip moisturizers regularly.

Diminish discoloration at the source. Before gulping up chocolate, coffee, red wine and soda, consider the "white t-shirt rule"-anything that would stain a white t-shirt will also stain teeth. To minimize the discoloring effects of dark foods and beverages, swish water in the mouth between bites and brush as soon as possible after food consumption.

Carry a smile bag. Put together a mini-pouch - like a make-up bag - of quick fix items to carry for smile emergencies. Include lipsticks or glosses with blue undertones, which make teeth look whiter, some dental floss, toothpaste and a toothbrush. It's easy to prepare and great for traveling or a last minute date.

Remember that with daily care, achieving and maintaining a radiant and healthy smile that lasts a lifetime can be affordable and simple.

The white t-shirt rule-Anything that will stain a white t-shirt will stain your teeth.

Hey Everyone,

I know we dont get a lot of traffic to our blog which could be a plus to you.

We are going to give someone $100.00 for their most memorable experience at the Dentist.

This can be for anything that you experienced while being at the Dentist Office.

Please send me your email via our contact form by clicking here.

On February 14, 2007 I will pick the Winner and notify them via email so be sure to check your inbox on that week.

As the winner you give me permission to post what your experiences here on our blog so all can read it.

You may change the names if you wish to do so.

Best of Luck and Keep that Beautiful Smile!

We recently took our 5 1/2 year old daughter to the Dentist and when they called her name to go back we were told the Parents need to stay in the waiting room.

With hesitation we remained seated thinking our daughter would not go back without us but to our amazement she walked back with out saying anything.

She has never been afraid to go to the Dentist which makes us very happy and proud but that day we were very proud of her for going back without her mommy present.

We went and bought her a present when we left the Dentist Office that day. Just could not help ourselves.

A shy little 4-year-old came in to the dentist for his first cleaning and check-up. The hygienist tried to strike up a conversation but no response. After the cleaning, the dentist was called in to do the final check.

The dentist tried to strike up a conversation as well: "How old are you?" No response.

The dentist then asked: "Don't you know how old you are?" Immediately four tiny fingers went up.

"Oh," replied the dentist, "and do you know how old that is?" Four little fingers went up once again.

Continuing the effort to get a response, the dentist asked: "Can you talk?"

The solemn little patient looked at him and asked: "Yes! And can you count?"

Take advantage of 10% to 60% off most Dental Procedures.

Easy to sign up.

Just show the participating dental provider your Member ID Card and they will honor the discounted rate according to the fee schedule of your plan.

Three simple methods to help you test yourself for bad breath / halitosis are as follows:

• First take a piece of un-waxed, un-flavored white dental floss and floss between your upper and lower back molars. Examine the floss. Is it red or brown? Wait about 45 seconds and then smell it closely. Does it have a bad odor?

• The next test is to take a clean washcloth and then pull your tongue forward with one hand grasping the tongue with the washcloth. With the other hand and a clean white washcloth rub or scrape the furthest back portion of your tongue two or three times. Again, wait for about 45 seconds and then smell the portion of the cloth that was rubbed on the tongue. Does it have a bad smell?

• A third technique is to simply lick your tongue on your own clean wrist. Wait, then smell. This technique does not get back far enough on the tongue to be of best value but can be a quick test in a pinch for time.

A dazzling smile and white teeth have become everyone's beauty must-have. In fact, an American Academy of Cosmetic Dentistry survey revealed that 92 percent of respondents say that an attractive smile is an important social asset. "Almost all of my patients ask what they can do to achieve an eye-catching grin," says New York City celebrity Dentist Dr. Jennifer Salzer. I'm quick to remind them that obtaining a beautiful, healthy smile can be as simple as adopting small steps that can make a big difference." Dr. Salzer recommends the following:

Diminish discoloration at the source. Before gulping up chocolate, coffee, red wine and soda, consider the "white t-shirt rule"-anything that would stain a white t-shirt will also stain teeth. To minimize the discoloring effects of dark foods and beverages, swish water in the mouth between bites and brush as soon as possible after food consumption.

Think two-in-one whitening. Use a toothbrush with a whitening property to achieve a luminous smile without adding an extra step to beauty routines. "I encourage my patients to use a brush that whitens while it cleans, providing two benefits in one step." Salzer recommends the new Crest Spin Brush Pro Whitening, a battery-powered brush with a dual-motion brush head of oscillating and back-and-forth shifting bristles. For less than $8, it removes up to 88 percent of surface stains, whitening teeth in just 14 days.

Hello everyone,

I just wanted to let everyone know our Blog was voted #1 Dental Blog in Dental Plans “I'm Bloggin' It” contest held in September. A lot of Blogs were entered into the contest and we had lots of competition.

Proud to say we WON!  Cash prize of $500.00 - with 10 runner up's each receiving $50.00 each.

Dental Affiliate Program

They have affiliate contest each month. Contest are usually $100.00 top prize and runner ups at $50.00 each or Amazon Gift Certificates of $25.00 so lots of cash to be had just by becoming an affiliate. Up to $1000.00 given away monthly.

If you are not affiliated with Dentalplans.com and you have a website you should sign up with their Affiliate Program.

Get Paid for Promoting the #1 Dental Care Website

The Dental Plans Internet Affiliate Program is one of the most well respected affiliate programs on the Internet today. We feature excellent affiliate management, cutting-edge commission tracking technology, and a comprehensive online management panel.

There are a number of ways to market our products and services, and we provide you with the tools needed to be a successful Dental Plans affiliate. First, our comprehensive keyword files for search engine marketers covers thousands of common dental-related terms and phrases. Second, we provide an extensive collection of professionally-designed online advertising creative.

Third, we provide the ability to order customized print pieces, which allow you to distribute printed advertising materials promoting Dental Plans.

Eliminating phobias surrounding Dental Visits include disproving common myths such as:

Myth #1: X-rays are dangerous and the radiation can cause harm. Truth: The amount of radiation we’re exposed to on a typical day is equal to that found in a single dental film. X-rays are the only way to detect disease blow the gum line or inside a tooth.

Myth #2: The mouth has no relationship to the rest of the body’s health. Truth: The condition of your teeth can affect your overall systemic health.

Myth #3: Brushing, flossing and mouthwash will eliminate bad breath. Truth: These actions temporarily mask the smell, but are only eliminated when your teeth are professionally cleaned by a hygienist or Dentist.

Myth #4: Dentists do not need many credentials to practice. Truth: Licensing of Dentists is heavily regulated. Dentistry has become a full-fledged healthcare science that demands post-graduate certification training.

Plaque, a thin, colorless, sticky film containing bacteria, which constantly forms on the teeth. These bacteria use carbohydrates—sugars and starches—to produce an acid that attacks the enamel covering the teeth.

After repeated acid attacks, the enamel can be broken down and a cavity begins. Continued acid attacks eventually dissolve the enamel and penetrate the softer, inner layer of the tooth, where decay can spread rapidly throughout the tooth’s structure. Acid attacks begin immediately after every meal or snack and last about 20 to 30 minutes.

You should visit your Dentist at least once a year to have your teeth cleaned.

Your discount dental plan can be utilized the day of activation. Just show the participating dental provider your Member ID Card and they will honor the discounted rate according to the fee schedule of your plan.

Most Dental Plans activate with 1 - 3 business days, quick activation.

Unlike dental insurance, discount Dental Plans have no annual limits, no health restrictions and no tedious paperwork hassles. Once you join a discount dental plan, you can start saving right away and some plans even offer Savings on cosmetic Dentistry, orthodontia and other dental specialties.

Discount Dental Plans, designed to provide significant Savings on members' dental care needs, have quickly become an attractive alternative to costly dental insurance.

Traditional dental insurance, once the only dental benefit option available, features many drawbacks including costly deductibles, tedious claim forms, long waiting periods and other limitations. On the other hand, discount Dental Plans are affordable, easy-to-use and free of these hassles.

What are some of the major differences between dental insurance and discount Dental Plans?

Some of the characteristics of Dental Insurance include: