Business Description

Since 1975, J. Sadler Hayes, II, CLU has provided valuable services for individuals, families and small businesses with health insurance, disability income, critical illness and long-term care insurance solutions. Many people are taking a gamble - If a serious illness or accident happens, your earnings will stop, your assets will erode, your future dreams will not come true! For further information, visit our website and call us today. Don't take the gamble. We provide services to residents of New York, New Jersey and Connecticut.

Services Offered

	To request additional information please visit our To submit a request please click on the services offered below.
	Dental Insurance Agents

Frequently Asked Questions

General Questions
Q.	Do you have a customer satisfaction or refund policy?

Dental Insurance Agents
Q.	What are your rate plans?

Q.	What is covered?

Q.	Are pre-existing conditions covered?

Q.	Can I choose my own dentist?

Q.	Is there a waiting period?

Q.	Do you have a customer satisfaction or refund policy?
We are so excited about our plan, and know that you are going to LOVE IT... We are now promising a 45-DAY MONEY BACK GUARANTEE*! If, during the first 45 days you decide to cancel this program for whatever reason, we will honor your request and send your money back, NO QUESTIONS ASKED. *The Processing Fee is non-refundable.

Q.	What are your rate plans?
Dental and Vision Plan Individual - $6.95/Month Individual + One- $11.95/Month Individual + Family - $15.95/Month +$20 one time Processing Fee* Dental, Vision and Prescription Plan Individual - $7.95/Month Individual + One- $12.95/Month Individual + Family - $16.95/Month +$20 one time Processing Fee* Employer group rates for 3 or more enrolled employees are lower.

Q.	What is covered?
Save 20% - 60% on Preventive Procedures, Including Exams, X-rays and Cleanings Save 30% to 40% Basic & Major Restorations Fillings, Crowns, Dentures available at deep savings Save 20% on Orthodontics including Braces for both children and adults Average annual savings of $1,200 per family on dental work. Over 24,000 participating providers nationwide Includes all specialties.

Q.	Are pre-existing conditions covered?
There are no pre-existing condition requirements. Savings are provided on all procedures when covered.

Q.	Can I choose my own dentist?
Benefits are only provided through the panel of participating providers.

Q.	Is there a waiting period?
There are no waiting periods. The effective date starts on the first of the month you select, either the first of the current month or the first of the following month.