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What is AD&D insurance and how to get $2,000 of free coverage

close up of father and son holding hands while walking outside
December 08, 2017

By Pam Leibfried

In the US, the leading cause of death for people under age 44 is accidents. And in addition to the many accidental deaths, even more people are seriously injured each year in accidents that end or significantly limit their ability to work to support their families.

So how can you protect your family in case of a serious or fatal accident? A good option to protect your family is to purchase an accidental death and dismemberment (AD&D) insurance policy. AD&D insurance can supplement your family’s income in case you die or suffer specific types of “catastrophic” accidents.

Which types of catastrophic accidents and injuries are covered under an AD&D policy varies greatly, so be sure to read the details of a policy before you purchase it so you’ll know what is and isn’t covered.

$2,000 of free AD&D coverage for Alliant members

As a member of Alliant, you can sign up for $2,000 of TruStage Accidental Death and Dismemberment insurance at no cost, just for being a member. To receive $2,000 of AD&D coverage at no cost or obligation, all you need to do is claim it!

Then, in addition to the $2,000 of coverage that you can get for free if you sign up, you can also choose to purchase up to $300,000 of Additional Coverage and Family Plan coverage from CMFG Life.

What is covered?

TruStage’s AD&D insurance pays a cash benefit for the loss of life, hand, foot, eye, thumb, speech or hearing as a result of an accident.

The Additional Coverage and Family Plan policies have specific provisions for hospital confinements of over seven days, college education costs for surviving spouses and dependents, child care assistance, grief counseling for survivors and more. These provisions vary from state to state, so check out the TruStage website for details about coverage.

Don't miss this opportunity to take advantage of your credit union membership. Sign up now for your no-cost or additional AD&D insurance protection from TruStage.


Pam Leibfried is a marketing content specialist whose love of words led to a writing and editing career. After a brief stint teaching English, she transitioned to corporate communications and spent 20 years at The Nielsen Company before joining Alliant’s content development team. Early in her work life, Pam’s friend Matt explained the benefits of a 401(k) and her dad encouraged her to start a Roth IRA. Their good counsel prompted her to prioritize retirement savings, which just might enable her to retire early so she can read more and live out the slogan on her fave T-shirt:  “I have a retirement plan: I plan on quilting.”   

TruStage™ Accidental Death and Dismemberment Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. (ADD-1112-BC54)  

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