If you have no load universal life insurance and are very happy with your coverage then you might want to consider purchasing full coverage dental insurance also. You will feel like you are completely protected. Not only is your no load universal life insurance protecting you but your new full coverage dental insurance will help protect your bank account against very expensive dental bills.
It is always advisable to have really good dental insurance coverage. Even the most basic of procedures can be very expensive. You can pay a visit to your hygienist to have your teeth cleaned and it can cost you close to one hundred dollars just for the cleaning. Every time that you need xrays taken of your teeth those xrays can be very expensive. If you need your dentist just to check your teeth for your yearly exam it can cost you a pretty penny. Prices are not cheap when you go to see your dentist so by having insurance to cover those bills you can save yourself quite a bit of money.
Most dental insurance plans make you pay for a portion of your dentists bill. Some policies cover fifty percent. Some policies cover seventy five percent. If you are lucky your policy will cover one hundred percent. Usually the higher the percentage coverage causes you to have higher monthly premiums. You just need to weigh the monthly cost against how often you actually go to see the dentist to see which policy is the best for you. Even though you may not enjoy paying your premiums each month it will definitely be worth it when you go to have your teeth checked and hardly have to pay any expenses out of your own pocket. Then you will be glad that you have such a great policy.