Insurance Programs

Accidental Death and Dismemberment

Join. Protect. Provide.
Joining our credit union makes you a part of our family. And, we protect our family members with $2,000 Accidental Death and Dismemberment Insurance coverage at no cost to you. We understand that you have family members and loved ones to provide for, too. We're happy to extend you the opportunity to provide for them. Enroll today and enjoy added security for you and your family.

For more information on this valuable service, view the brochure or call 877.309.6576.

Accidental Death and Dismemberment brochure



General Exclusions: The insurance provides limited coverage. This means we will provide benefits only when the loss results directly, and independently from all other causes, from an accidental bodily injury which was unintended, unexpected and unforeseen. The bodily injury must be evinced by a visible contusion or wound, except in the case of accidental drowning. The bodily injury must be the sole cause of the loss. The injury and loss must occur while coverage is in force. The loss must occur within 90 days after the date of the accidental injury. In no event will we pay a benefit where the loss or injury is caused directly or indirectly by, results from, or there is contribution from, any of the following: (1) self-inflicted injury or self-destruction, whether sane or insane; (2) suicide or attempted suicide, whether sane or insane; (3) the insured's participation in or attempt to commit a crime, assault or felony; (4) bodily or mental infirmity, illness or disease; (5) the use of alcohol, drugs medications, poisons, gases, fumes or other substances taken, absorbed, inhaled, ingested or injected, unless taken upon the advice of a licensed physician in the verifiable prescribed manner and dosage; (6) motor vehicle collision or accident where you are the operator of the motor vehicle and the insured's blood alcohol level meets or exceeds the level at which intoxication is defined in the state where the collision or accident occurred, regardless of the outcome of any legal proceedings connected thereto; (7) infection, other than infection occurring simultaneously with, and as a direct result of, the accidental injury; (8)medical or surgical treatment or diagnostic procedures or any resulting complications; (9) travel in or descent from any aircraft, except as a fare-paying passenger on a regularly scheduled commercial flight on a licensed passenger aircraft carrier; (10) war or any act of war, whether declared or undeclared; (11)repetitive stress syndromes including but not limited to rotator cuff syndrome, bursitis, tendonitis, carpal tunnel syndrome, ulnar nerve syndrome, stress fractures, neuropathy, epicondylitis or neuritis. In Missouri, there is no exclusion for suicide unless it is proven the insured intended to commit suicide when application was made under the group policy.
Insurance is provided by Minnesota Life Insurance Company. 400 Robert Street North, St. Paul, Minnesota 55101-2098
Go to main navigation