Plan paper from security to America’s we lost Massachusetts from Maryland during that point Massachusetts of Maryland I believe will be fairly quickly recaptured Washington is probably Dental Insurance going to be a little bit more of a long term project so realistically I would say we’re probably a state carrier but as the words in today’s.
States three of those states can advocate illinois in new york our state specific meaning the product is slightly different than those states Dental Helps so if you’re not in one of the states that you see in the screen right now this is what i’m going to show you next is what we call turn up like our quote unquote national product.
This is our top plan vanch plus two here’s how it works around our two claims exams per year plus x-rays five percent coverage with the deductible that’s applicable basic services of fillings and extractions major services are essentially everything else but it’s inclusive of implants with our basic and major services we offer greater benefits which five years ago.
When secure life kind of started that was we were kind of one of the new kids that had kind of a shiny object at that point and we’re really one of the first people that started doing it and we’ve had a fair amount of copycats ever since but it’s worked very well for us and the reason why is because you get that immediate gratification in the client it’s got some sizzle the marketplace to the fact that you can technically say no waiting periods.
Then from a from an agency standpoint but the reason why it seems to work better is because the persistency is a little bit stronger so thus your renewals continue on for a little bit longer basic services a % day one sixty five percent after a year and percent after two major services a % day one % after a year we’re the only carrier that off since day one benefits on ortho now.
I shouldn’t state such this you know definitive statements like that because you know the second I keep stating that I’m not aware of some ABC carrier that now has day one coverage on ortho but I guess I should say the last time.