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If the unexpected happens, will you be ready?
Accidental Death & Dismemberment (AD&D) Insurance
Your accidental death can leave your family with a significant financial burden. Don't leave them unprepared. Accidental Death & Dismemberment insurance offers your family a safety net—and gives you a little more peace of mind.
What is it?
One of the benefits of your Citadel membership is a no-cost $2,000* Accidental Death and Dismemberment (AD&D) insurance policy through Minnesota Life Insurance Company.
How does it work?
Once you're enrolled, your AD&D Insurance pays a cash benefit to your beneficiary due to your loss of life in a covered accident. It also pays benefits if you suffer a covered injury (including loss of limb(s), sight, hearing or speech). Coverage cannot go into effect until you complete and return the enrollment form.
Can I increase my coverage?
Yes—you can add up to $300,000 more of this coverage regardless of your health, for just $1.00 a month per $10,000 of coverage. It's yours upon request, so you can help make sure your family has the money they'll need if they suddenly find themselves without you.
Sign up now for your no-cost AD&D protection—it only takes a couple minutes. The extra financial security for your family is worth it.
$2,000* of No-Cost AD&D Insurance
To take advantage of this exclusive member benefit, all you need to do is claim it.
Acceptance Guaranteed
No medical questions or health exam required. You can’t be turned down for any reason.
More Peace of Mind
Increase your coverage affordably — talk to us about your options
Sign up now for your no-cost AD&D protection!
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* Insurance Products: Are not deposits of, guaranteed by or insured by Citadel, the NCUA or any Federal Government Agency. Are obligations of the issuing insurance company, which is not affiliated with Citadel.
All coverage is reduced by 50% at age 70 or older, regardless of age at enrollment. This plan may not be available to residents of all states. Franklin Madison Group LLC is the Plan Administrator.
Other coverage amounts are available.