Are you financially prepared if an accident happens to you?
A distracted driver, a missed step, or a fall off a ladder could wreak havoc on your family’s finances. Help your loved ones replace your income, pay the bills and continue their lifestyle if an accident happens to you. The AIA Trust Group AD&D Plan guarantees acceptance for eligible members up to $150,000 in coverage.
Help make sure your loved ones are financially prepared if something happens to you.
The AIA Trust Group Accidental Death & Dismemberment (AD&D) Insurance Plan guarantees your acceptance for up to $150,000 in accident coverage if you’re a AIA member under age 60. No physical exam or health questions are required. You must be a resident of the U.S. (except for FL, NC, NV, VT, WA, and territories) or Puerto Rico. Your lawful spouse under age 60 and your dependent children under age 19 (25 if full-time students) are also eligible when you enroll.
This additional money could go a long way toward helping your family pay day-to-day living expenses, ensure your children’s education, pay medical bills and rebuild their lives.
With the AIA Trust Group AD&D Plan, you’re protected from many types of accidents – auto accidents, falls, fires, drownings and more. And you’re covered anytime, anywhere* … at home, at work, vacation … on top of any other insurance you may already have.
Plus, you pay competitive, members-only group rate – view the Rates and Terms for more details.
*Subject to U.S. Government regulations on restricted countries.
Provides Up to $150,000 in Accident Benefits
The AIA Trust Group AD&D Plan offers AIA members an easy and affordable way to help provide their loved ones with up $150,000 in accident benefits if you die or are seriously injured in a covered accident. This makes this plan an ideal complement to existing life or other accident insurance coverage you may already have.
As an AIA member under age 60, you’re guaranteed acceptance. No physical exam or health questions are required. You must be a resident of the U.S. (except for FL, NC, NV, VT, WA, and territories) or Puerto Rico.
Offers Choice of Benefit Amounts
You can select from among three benefit options: $50,000, $100,000, or $150,000 based on your needs and budget.
Guarantees Protection for Your Family Too.
Family coverage can provide security for your loved ones. Your spouse is guaranteed acceptance up to $100,000 in coverage if under age 60. Unmarried dependent children can be covered for up to $15,000 of insurance if under 19 years of age (25 if full-time student) with the same permanent address as you. Your spouse may not be insured for an amount which exceeds your principal sum. A spouse who is a member can apply as a member or spouse but not both. Children can only be insured by one parent.
Pays Benefits for Accidental Death and Serious Injuries
Because accidental deaths and disabling injuries result in special needs and high medical bills, the AIA Trust Group Plan provides you with valuable benefits to help cover these expenses. You or your loved ones can collect the following benefits based on your covered loss:
|Covered Loss||% of Principal Sum|
|loss of life||100%|
|loss of two limbs||100%|
|loss of movement of both upper and lower limbs (quadriplegia)||100%|
|loss of sight of both eyes||100%|
|loss of both speech and hearing||100%|
|loss of one limb and the sight of one eye||100%|
|loss of movement of both lower limbs (paraplegia)||75%|
|loss of one limb||50%|
|loss of movement of both upper and lower limbs of one side of the body (hemiplegia)||50%|
|loss of sight of one eye, speech or hearing||50%|
|loss of thumb and index finger of same hand||25%|
The total benefit payable for all losses due to a single accident will not be more than the Principal Sum. The plan pays any of the above sums if an injury results in any covered losses within 365 days after the accident. Loss of sight, speech or hearing means total and permanent loss. Loss of movement of limbs means complete and irreversible paralysis of such limbs. Loss of limb means severance through or above the wrist or ankle joint. Loss of thumb and index finger means severance through or above the joint closest to the wrist (the metacarpophalangeal joints).
Easy to Apply
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30-Day FREE Look
When you receive your Certificate of Insurance, read it carefully. If you’re not completely satisfied with the terms of your new insurance plan, simply return your Certificate, without claim, within 30 days and any premium paid will be promptly refunded. No questions asked.
Benefit options are not guaranteed and are subject to change by agreement between the Trustee Policyholder and New York Life. Premium contributions may be changed by New York Life on any premium due date and on any day on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insurance under this group policy. For example, a class of insured is a group of people all with the same issue age. For your convenience, after your coverage is activated, you will be billed quarterly.
Coverage will be effective on the first of the month following receipt of your Application and first quarterly premium payment.
If dependent child coverage is not already in force on a premium-paying basis, coverage on a newborn will continue for 31 days from the date of birth. Coverage for such newborn will end unless a request to continue coverage is made in writing and payment of dependent child premiums is received by the end of that 31-day period. If dependent child coverage is already in force on a premium-paying basis, coverage on a newborn is effective on the date of birth and will continue, subject to the terms stated in the Termination section.
You can name any beneficiary you wish to receive benefits for your accidental death. Dismemberment benefits are paid directly to you. You are the beneficiary for your dependent’s coverage.
You may maintain your AIA Trust Group Accidental Death & Dismemberment Insurance Plan as long as you pay your premium on time, and the Group Policy is not terminated by the Trustee, Policyholder or New York Life. Coverage for your dependents terminates when yours does, or for your spouse when he/she becomes an insured member or ceases to be your lawful spouse. Child coverage can continue as long as the child is eligible or until termination under age 19 (25 if fulltime student). Coverage for any insured will terminate when active duty in the armed forces begins.
The AIA Group AD&D Plan does not cover the following:
- A loss due or related to suicide, attempted suicide, or intentionally self-inflicted injury while sane or insane.
- A loss that occurs during or is due or related to engagement in War or any act of war or an armed conflict which involves the armed forces of one or more countries, whether declared or undeclared.
- A loss that occurs during, or is due or related to the covered person’s duty in the military, naval or air service of any country.
- A loss due or related to disease or bodily infirmity of mind or body; medical or surgical treatment of such disease or bodily infirmity; or bacterial infections, except infections which occur as the result of an: accidental cut or wound; or accidental ingestion of contaminated material.
- A loss due or related to pregnancy, including resulting childbirth or complication thereof.
- A loss due or related to operating, riding in or descending from any aircraft while in flight, except when riding as a passenger on a licensed, commercial, or non-military aircraft.
This information is only a brief description of the principal provisions and features of the AIA Trust Accidental Death and Dismemberment Insurance Plan underwritten by the New York Life Insurance Company under group policy G-29059-3/GMR-FACE. The complete terms and conditions including features, costs, eligibility, renewability, limitations and exclusions are contained in the Certificate of Insurance issued to each insured. The AIA Trust incurs certain administrative expenses in connection with this sponsored plan. To provide and maintain this valuable AIA membership benefit, the AIA Trust is reimbursed for these expenses.
Administered and Marketed by:
Hagan Insurance Group
P.O. Box 1889
Sioux Falls, SD. 57101
California Insurance license #OH62489. Arkansas Insurance license number #94726.
The Accidental Death and Dismemberment Insurance Plan is underwritten by:
New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
on Policy Form GMR
New York Life is licensed/authorized to transact business in all the 50 United States, the District of Columbia and Puerto Rico.
Please note that this plan is currently not available to residents of Florida , North Carolina, Nevada, Vermont, and Washington.
New York Life Insurance Company’s state of domicile is New York and their NAIC ID # is 55915.