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Accidental Death and Dismemberment (AD&D) Insurance

Accidental Death and Dismemberment (AD&D) Insurance

If you are a primary Arsenal account owner age 18 and older, you are eligible to receive $1,000 of AD&D coverage from your credit union at no cost to you. This coverage is underwritten by CMFG Life Insurance Company.

You have the option of choosing from $10,000 to $300,000 in additional insurance protection for yourself, your spouse, and any unmarried dependent children under age 21 (or age 23 for full-time students) at low, affordable group rates. Premiums for additional coverage will be deducted automatically from your account. The additional insurance coverage is doubled if the accidental death or dismemberment occurs while the insured person is a passenger on a common carrier. At age 70, coverage (no cost and additional) is reduced by 50 percent.

AD&D insurance can be a valuable supplement to life insurance; it pays a cash benefit in the event of a covered injury or due to an accident. In order to get this coverage, you must sign up for it; it is not automatic.

To gain a better understanding of the difference between whole life, term life and AD&D insurance, check out this infographic.

Please visit TruStage® for more information.

For general questions about AD&D insurance, call 1.855.612.7910.

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