Routing # 321076470

Accidental Death and Dismemberment (AD&D) Insurance

Free protection if the unexpected occurs

AD&D Insurance

Accidents can happen anytime, so we’ve made it easy to protect the ones you love 24/7. AD&D can be a valuable supplement to life insurance and pays a cash benefit in the event of a covered injury or death due to an accident.

Patelco is proud to offer our members a no-cost $2,000 AD&D policy. This benefit is paid for by Patelco, provided by TruStage®1, and underwritten by CMFG Life Insurance. Additional Coverage is available for as little as $1 per month per $10,000 of coverage. Getting the coverage you need has never been easier!

Key Features

No Cost

$2,000 AD&D coverage

Guaranteed Acceptance

No medical or health questions required

Extra Coverage Available

Additional Coverage as low as $1 per month per $10,000 of coverage

Protection Where You Need It

At home, at work, on vacation, and during travel

Frequently Asked Questions

  • Accidental Death & Dismemberment insurance pays a cash benefit if you die in a covered accident. It also pays benefits for covered injuries caused by an accident, including loss of eyesight, hearing, or speech, or the loss of a hand, foot, eye, thumb or index finger. You can use this money to cover any expenses you have while you focus on recovery.

    Coverage depends on your personal needs, goals, and circumstances. Call 855.612.7910 to find the right policy for you and your family.

    Additional benefits may include hospital expenses, education and childcare assistance, and more. Call 855.612.7910 for more details.

    No physical or medical questionnaire is required to enroll in AD&D.

    Your no-cost AD&D insurance lasts as long as you remain a member of a participating credit union or until you decide to terminate it. Your Additional Coverage lasts as long as your payments are made.

    Additional Coverage is any AD&D insurance coverage purchased beyond the no-cost $2,000 AD&D policy that Patelco members are eligible for.

Let's invest in your future

Whether you’re comfortable investing on your own, want just a little help, or need a customized investment strategy, Patelco Financial Solutions2 can help you stay on the right track today – and tomorrow. We’ll even provide you with a complimentary financial consultation. Getting started is easy!

Coverage for the unexpected

Patelco offers insurance solutions3 for every stage of life, so no matter where you or your family are at, we’ve got you covered. Learn more about how you can help protect yourself and those you love.

    Patelco helps you get ready for the unexpected with our Patelco Protection Plans. We know that life can come at you in the most unexpected ways; that’s why we offer protection plans to help you be financially prepared for anything that comes along. Are you ready for the expected?
    What if there’s an injury and you’re unable to work? Will your current coverage be enough? Or in the event of your unexpected death, will your family be able to keep up with everyday expenses and debt?
    It is possible to plan for the unexpected with our loan and payment protection plan that cancels your loan payments or balance, up to the contract maximums, if you suffer a covered unemployment, disability or pass away.
    But what if other unexpected expenses come along? Can you cover the gap?
    For example, getting a new vehicle is exciting, but it starts losing value the second you drive it off the lot. And if it gets wrecked or stolen you could owe more than your insurance will pay, and that gap could be thousands of dollars.
    For a one-time cost of $595, Guaranteed Asset Protection, or GAP Plus, can help reduce that gap and put you back where you belong – behind the wheel. It can be financed as part of your loan. This averages out to just over $8 per month over the course of a 5 year loan, giving you protection and can help provide you peace of mind.
    But what happens when those big repair bills come along?
    Mechanical Breakdown Insurance (MBI) can help make big repair bills a lot smaller. Just choose a plan and deductible to help reduce your out-of-pocket expenses on covered repairs and get additional benefits like roadside assistance, rental and travel expense reimbursement, and more. So when life throws you an unexpected curve – you can be covered.
    Ask a team member for a quote or learn more at

1  TruStage® Accidental Death and Dismemberment insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. This insurance is not federally insured or guaranteed or sold by your credit union. Be sure to understand the complete details of coverage, including any exclusions and limitations. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency. ©TruStage Insurance Agency. Base policy numbers E10a-015-2012, E10a-014-2012, E10a-ADD-2012 and 2018-ADD-POL. Product availability and features may vary by state. ADI-5367172.1-1222-0224

2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

3 Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member’s choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products are offered are by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance,


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