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Accidental Death & Dismemberment

Prepare for the unexpected.

Accidental Death & Dismemberment

Prepare for the unexpected.

Enrolling is smart. It's also easy.

No one can predict what the future will bring. If a serious accident occurs, Accidental Death & Dismemberment Insurance (AD&D) could help your family in need. AD&D pays upon accidental death or upon full or partial dismemberment. This coverage and any additional protection you select could mean greater security for you and your family.

  • Primary members receive $2,000 of AD&D insurance at no cost. All you have to do is claim it.
  • Additional coverage can be purchased.

We have partnered with Federal Insurance Company, a member insurer Chubb Group Insurance Companies, to bring you AD&D coverage. The good news is you can elect additional coverage from $50,000 to as much as $500,000 at extremely affordable rates.

Acceptance is guaranteed and requires no physical exam or health questions.


Accidental Death & Dismemberment insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Actual coverage is subject to the language of the policies as issued. Exclusions apply. This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 87.5%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. Chubb, Box 1615, Warren, N.J. 07061-1615. 

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