AD&D Insurance

If you could keep accidents from happening, you would. Making sure you and your family are covered is the next best thing. TruStage® AD&D offers guaranteed coverage up to $300,000 in the event of an accident.

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Coverage you can depend on

  • Guaranteed acceptance regardless of medical history

  • Coverage increases by 5% every two years (up to 25%) at no added cost

  • Cash payouts often not subject to income tax

  • Single and family coverage available

Additional Insurance

Getting AD&D Insurance is Easy

1

Get a Quote

We partner with TruStage to offer AD&D coverage. Answer a few simple questions on trustage.com to see available plans.

2

Enroll Today

Sign up and receive an automatic benefit of $1,000 AD&D coverage — completely free.

3

Keep the Future Bright

Get additional AD&D coverage and explore other life insurance options.

AD&D Insurance FAQ

What is AD&D insurance?

Accidental death and dismemberment insurance (AD&D) is insurance coverage that pays a cash benefit in the event of an accident that causes death or a certain serious injuries. It’s a difficult subject to think about and coverage we hope you never need to use. But it’s affordable and reassuring, just in case.

Can I protect my family members too?

Yes. You can choose single or family coverage. Single coverage applies only to you, while family coverage applies to you, your spouse, your dependent children or children with disabilities.

How long does my AD&D coverage last?

  • Complimentary AD&D coverage remains in effect as long as the policy is not terminated, and you remain a member of a participating credit union.

  • Additional AD&D coverage remains in effect as long as your premiums are paid.

Is there a cost-of-living benefit?

Yes. Every two years, coverage will be increased 5% at no added cost to you. Over the years, you can get up to a 25% increase.

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TruStage Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. LIFE-1112-8F55

Restrictions and limitations may apply.