A woman buckling a little girl into her car seat, and they are both smiling at each other.

Accidental Death & Dismemberment Insurance

Peace of mind for the unexpected.

Our Accidental Death & Dismemberment Insurance benefit provides critical financial support in the event of serious injury or loss of life due to a covered accident—helping to protect you and your loved ones when it matters most.



What Does AD&D Insurance Include?

With Secure Plus Checking from CUTX, Accidental Death & Dismemberment Insurance (AD&D)1 automatically provides protection just for being a member.

  • Up to $10,000 in Coverage: Protects you in the event of an accident resulting in death or dismemberment.
  • Travel Bonus: Coverage increases to up to $25,000 when you travel as a passenger on a Common Carrier.
  • Child Coverage: Each dependent child receives up to $2,500 in AD&DCoverage. That increasts to a total of up to $5,000 when traveling on a Common Carrier.
  • Joint Account Sharing: Coverage is shared equally among joint account holders.
  • Age Adjustment: Coverage amount is reduced by 50% at age 70.
Family with their luggage preparing to travel

How Does AD&D Insurance Work?

If a covered accident results in death or dismemberment, this benefit can provide a financial payout to help your family cover final expenses, medical bills, or daily costs.

  1. Maintain an active Secure Plus Checking account.
  2. In the event of a claim, provide documentation to initiate coverage benefits.
  3. Receive payouts according to the terms of your benefit plan.

There’s no separate enrollment, and no health exam required—just peace of mind when you need it most.

Who’s Covered?

  • Primary account holders of Secure Plus Checking.
  • Joint account owners (coverage split equally).
  • Dependent children receive up to $2,500 in AD&D coverage.

Whether you're at home or on the move,
this coverage protects what matters most.

Important Notes

  • Coverage reduces by 50% starting at age 70.
  • Benefit is not available to business accounts.
  • Please contact us for questions about full eligibility, exclusions, and terms.

Tip: Keep your account in good standing to ensure continued eligibility.

Included AD&D Coverage by Account Type

Feature Secure Checking Secure Plus Checking
AD&D Base Coverage Not Included Up to $10,000
Common Carrier Coverage Not Included Up to $25,000
Dependent Child Coverage Not Included Up to $2,500 ($5,000 with travel)

Ready to Add AD&D Protection?

Enroll in Secure Plus Checking today to activate your Accidental Death & Dismemberment Insurance benefit.

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Disclaimers


1. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on certificate of insurance. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.