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Affinion Benefits Group

Be prepared, no matter what comes your way.

Accidental Death and Dismemberment

Product Description

Covers insured in the event of loss of life, limb, sight, speech or hearing due to a covered accident

Account types

DDA, Credit Card, Mortgage

Eligibility

  • Insured and spouse: 18 and older
  • Dependent children: 19 and under, or under 25 if enrolled in accredited institution of higher learning
  • No termination age; however, coverage reduces by 50% at age 70 or older

Family Coverage

Spouse: With children – 50% additional coverage amount. Without children – 60% additional coverage amount Child(ren): 20% additional coverage amount

Enhanced Family Coverage

(Not available in NY) Spouse: 100% supplemental coverage amount Child(ren): Each dependent child — 20% additional coverage amount

Itemized Coverage

Loss of Life – 100% of benefit; Loss of Both Hands or Both Feet or Entire Sight of Both Eyes – 100%; Loss of Speech and Hearing – 100%; Loss of One Hand and One Foot – 100%; Loss of Either Hand or Foot and Entire Sight of One Eye – 100%; Loss of Entire Sight in One Eye – 50%; Loss of Either Hand or Foot – 50%; Loss of Speech or Hearing – 50%; Loss of Thumb and Index Finger on Same Hand – 25%

Additional Features

Anti-Inflation Benefit: For every two years Additional Coverage remains continuous, it will be increased by 5%. This provision can continue to increase until it reaches 125% of the original coverage amount. Common Carrier Accidental Death: Provides benefits for accidental loss of life from a covered injury while traveling as a fare-paying passenger in or on a public conveyance operated by a licensed common carrier. Benefit is two times the amount of supplemental coverage. Educational Expense Benefit (available with Family Coverage): If primary insured dies from covered accident, this benefit pays an educational benefit for each dependent child enrolled as full-time student in an institution of higher education on the date of the insured’s death. (Benefits will also be paid for dependent children who are in 12th grade on the date of the insured’s death but who enroll in an institution of higher education within 1 year.) The benefit for each qualifying student is 2% of the insured’s accidental death benefit paid for each year the student qualifies, up to a maximum of $5,000 per year, up to 4 years. If no children are eligible, a benefit in the amount of $1,000 will be paid to beneficiary. Adaptive Home and Vehicle: If your home and/or private motor vehicle require modifications to accommodate a dismemberment or total and permanent disability resulting from a covered loss, we will pay an additional benefit equal to the lesser of: (1) 2% of the amount of your contributory coverage; (2) the actual cost of the alterations; or (3) $3,000 for the one-time cost of alterations incurred within 2 years from the date of the accident to your home and/or private motor vehicle. This benefit will be payable only if such alterations are: (1) made by a person or persons with experience in such alterations; and (2) recommended by a recognized organization associated with the injury, and in the case of vehicle modifications, approved by the Department of Motor Vehicles. “Private motor vehicle” means a four-wheeled, private passenger car, station wagon, pick-up truck, van, sport utility vehicle or jeep-type automobile, which is not being used as a common carrier. Waiver of Premium: If, while under age 60, an insured becomes totally and permanently disabled and the total and permanent accidental disability has existed continuously for at least 6 months, insurance on such insured will be continued in force without payment of premium during the uninterrupted continuance of the total and permanent disability. The insured must continue premium payments during the 6-month waiting period. The waiver of premium will cease on the earliest of: (1) the date the insured is no longer totally and permanently disabled; or (2) the date the insured fails to submit the required proof of continuous disability; or (3) the date the insured fails to submit to any physical examination; or (4) the date you attain age 65; or (5) the date of your death; or (6) the date this policy terminates.

Exclusions

As with all insurance programs, some exclusions apply. See program’s Insurance Coverage Document for details

Questions?

Call 1-877-309-6576

  • Monday – Friday, 7:00 a.m. to 8:00 p.m., CST
  • Saturday, 8:30 a.m. to 5:00 p.m., CST

 See credit Union for details. 

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