Accidental Death & Dismemberment Insurance

Neighbors Credit Union members are offered complimentary Accidental Death and Dismemberment Coverage—with additional options available at an affordable rate!

Complimentary AD&D Coverage

At Neighbors, complimentary Accidental Death & Dismemberment (AD&D) Coverage is offered throughout the year to qualifying members ages 18 and older, to help protect your and your family’s financial future from the unexpected. Underwritten by Minnesota Life Insurance, free coverage in the amount of $2,000 is available—at no cost to you.

You cannot be turned down for Neighbors Credit Union complimentary coverage—or any additional coverage you may select. Note, all coverage reduces by 50% at age 70 and older, regardless of age at enrollment.

Click here to request your complimentary coverage today!

What is AD&D Coverage?

Accidental Death & Dismemberment (AD&D) Coverage provides financial protection in the event of death or serious injury resulting from accidents. If you experience a covered life event, you will receive a payout to help offset associated costs.

When you choose to enroll in our complimentary or additional purchased AD&D Coverage, you can safeguard you and your family against the unexpected and often costly consequences of accidents, gaining financial peace of mind.

What does AD&D Insurance cover?

AD&D Coverage includes a wide range of accidents, whether they occur at home, work, or during recreational activities, in the US or abroad. AD&D insurance does not cover deaths or injuries resulting from non-accidental causes such as illness, as well as certain high-risk activities or pre-existing conditions.

Accidental Death and Dismemberment Coverage typically includes:

Additional AD&D Coverage Options from Neighbors

Additional coverage can be crucial in alleviating the financial burden associated with medical expenses, loss of income, and other costs during difficult times, when facing an accidental death or serious injury.

Beyond the $2,000 complimentary coverage, additional AD&D Coverage is available at group rates. Purchase up to $300,000 in additional coverage to provide layered protection for yourself and your loved ones.

Benefits of AD&D Coverage

Guaranteed Acceptance: Your acceptance is guaranteed—no medical exams or health questions required.
Free Limited Coverage and Affordable Rates: Receive free coverage up to $2,000 as a Neighbors member and enjoy affordable rates for additional coverage options. 
Easy to Enroll: Request your complimentary credit union coverage or reach out to us to learn more about additional options.

Get Peace of Mind with AD&D Coverage Through Neighbors

AD&D coverage can offer valuable financial protection against accidental injury or death, providing peace of mind for individuals and their families. As part of your Neighbors membership benefits, we offer complimentary coverage, making it easily accessible and affordable.

Looking for more coverage? Affordable premiums and convenient enrollment processes can put extensive AD&D protection within reach. Contact us to apply for AD&D insurance today, and make AD&D coverage part of your financial plan for safeguarding your loved ones against the unforeseen.

This product may not be available to residents of all states. Benefits reduced by 50% at age 70. Insurance is underwritten by Sirius American Insurance Company. For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. and underwritten by Sirius American Insurance Company.