Assurant has various plans. Can you describe it in any more detail?

What you need to look at is you will pay $420 per year for this plan. What do you normally spend in a year on dental services? Then look at the coverage the plan offers. Is what you would pay under the plan (assuming similar dental expenses) plus the $420 more or less than what you normally spend in a year?

If it is less, it sounds good. If it is more - not so good.

There is another option - if you have a Flexible Spending Account available to you that should be factored into your decision. Sometimes putting the amount of money aside in a Flexi that you normally spend reduces your taxes enough to be a beter option than dental insurance.

If you anticipate any expensive dental work - crowns or the like - insurance can be ther better choice.

The answer to your questions really depends on many factors!