Prepaid dental annuity for retirement

Abstract

A number of different groups exist within those ages sixty-five and up. They have varying dental needs and resources with which to treat those needs. This program is targeted at those individuals who are moving toward age sixty-five, currently have dental insurance through their employer, and desire to prepay their dental insurance premiums for the remainder of their lives while preserving any unused portion of their prepaid amount for their heirs. It does so by creating a "dental annuity" instrument with minimal administrative burden.