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Accidental Death & Dismemberment Insurance
Accidents can happen any time
Help protect your family’s finances if you are seriously injured or killed in a covered accident
AD&D insurance coverage options
If you’re involved in a serious accident, your family could end up in financial trouble. Accidental Death & Dismemberment (AD&D) insurance through our partners at TruStage® offers coverage if you’re dismembered, seriously injured, or killed in a covered accident.
- If you’re a Global member, you can enroll to get $2,000 in AD&D insurance coverage at no cost.
- You can also choose to increase your coverage for yourself or your family, up to $500,000.
There’s no need to take a medical exam or answer any medical questions. Acceptance is guaranteed for Global members.
AD&D Insurance FAQs
While life insurance provides coverage if you die unexpectedly from a variety of causes, AD&D only provides coverage for serious injuries or death caused by a covered accident.
In some cases, you may need to answer medical questions or take a medical exam to qualify for life insurance. With TruStage AD&D insurance, there are no health questions or medical exams required.
AD&D insurance pays a cash benefit if you die in an accident that’s covered by your policy. It also pays benefits for covered injuries caused by a covered accident, including loss of eyesight, hearing, or speech, or the loss of a hand, foot, eye, thumb or index finger.
Your policy includes all the details about what types of accidents and situations are covered by your AD&D insurance.
Your insurance needs depend on your specific situation, so it’s best to talk with an agent or broker about what’s best for your family. Life insurance offers coverage in more situations than AD&D insurance, but it can also be more expensive.
AD&D insurance also adds coverage for specific injuries from accidents, which are usually not covered by life insurance.
No, AD&D insurance does not cover diseases and conditions like heart attacks and cancer. It only offers coverage for serious injuries or death caused by a covered accident.
No, AD&D insurance does not cover deaths or disabilities caused by infectious diseases or viruses. It only offers coverage for serious injuries or death caused by a covered accident.
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TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Product and features may vary and not be available in all states. 2018-ADD-POL
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About TruStage
Our partners at TruStage have been in business for more than 80 years. They offer straightforward insurance and put your needs first, protecting more than 20 million credit union members across the U.S.
When you talk with a licensed agent at TruStage, there’s no pressure—just helpful information. TruStage Agents are available to help you with AD&D insurance by phone at 888-787-8243, Monday-Friday, 5 am – 7 pm PST and Saturday 6 am – 2 pm PST.