Accidental Death and Dismemberment Insurance

Help protect your loved ones from unforeseen expenses

Boost your financial security

Accidental death and dismemberment, or AD&D, insurance coverage—underwritten by Minnesota Life Insurance Company—can help protect your family from unforeseen costs in the wake of a serious covered accident.

No cost to you

Activate $1,000 of complimentary AD&D insurance coverage today.

Guaranteed acceptance

There are no medical exams or health questions to qualify.

Additional coverage

Increase your amount of coverage on request.

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Activate $1,000 of complimentary coverage today Enroll in accidental death and dismemberment insurance online , Opens in a new tab

AD&D Insurance Benefits
Take advantage of complimentary coverage from First Citizens

Help protect your loved ones at no cost to you

As a First Citizens customer age 18 or older, you can receive $1,000 in complimentary accidental death and dismemberment insurance protection. Coverage is underwritten by Minnesota Life Insurance Company. Plus, activation is easy because your acceptance is guaranteed.

Activate up to $300,000 in additional coverage

In a few minutes, you can activate up to $300,000 in additional AD&D coverage, available at group rates.

Add coverage for your spouse and family

Plans can be customized to fit your needs, whether you're seeking coverage for yourself or your family.

You won't get turned down due to age or health

No medical exams or health questions make it easy to get this coverage and help increase your family's financial security. All AD&D coverage reduces by 50% at age 70 or older, regardless of age at enrollment.

Increase your family's financial security

Help make sure your family can have money to spend for rent, mortgage, utilities, tuition, loan repayment or anything they choose when you're no longer with them.

FAQ
People often ask us

AD&D insurance provides accidental death and dismemberment benefits in the event of a death or loss of life, limb, sight, speech or hearing as the result of a covered accident.

Yes. Simply call 844-269-1292 and a friendly representative will assist you. Once you receive your certificate of insurance in the mail, you can purchase additional coverage of up to $300,000 for you. You can also purchase AD&D coverage for your family.

No. There is no termination age for accidental death and dismemberment insurance. However, all AD&D coverage reduces by 50% at age 70 or older, regardless of age at enrollment.

No. Medical exams, blood tests or health questions aren't required to get and keep AD&D insurance.

Yes. Your AD&D coverage is effective 24 hours a day, anywhere in the world.

This AD&D insurance has four coverage levels from $50,000 to $300,000, all available at group rates. You may want to consult your financial advisor about how much coverage is right for you.

Yes. Spouses and unmarried dependent children may be insured under the family plan. If you choose the family plan, spouses are insured for 50% of your additional coverage amount. Unmarried dependent children are each insured for 20%, regardless of the number of dependent children. If there are no dependent children, their spouse will be insured for 60% of the additional coverage.

AD&D insurance will pay cash benefits due to a covered accident regardless of any other insurance you may have.

Insights
A few financial insights for your life

Saving

Preparing for Unexpected Expenses

It can be hard to plan for the future when you don't know what to expect. Here are some tools that can help you lay the right foundation.
Creating a safety net to buffer you from unexpected expenses doesn't need to be difficult, but it does involve planning to cover all your bases.
Insurance

Choosing the Right Types of Insurance

Find the different types of insurance you need to ensure you have the right protection.
The many different kinds of policies available can loosely be categorized into two main categories: protection of property and protection of life.
Insurance

Do You Need AD&D Insurance?

Consider buying insurance to protect your family's finances in case of an accident.
You could purchase an accidental death and dismemberment policy by itself, although it's generally offered as an add-on to a basic disability or life insurance policy.

Andrea L. Heger, Licensed Insurance Agent #2277322.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Insurance products offered in California are offered by First Citizens Investor Services, Inc., d.b.a. FCIS Insurance Solutions, Agency #6001908.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Carrier Code 2711336.