AD&D Insurance

Additional protection for you and your family

TruStage Accidental Death and Dismemberment Insurance can be an affordable supplement to life insurance. It pays a cash benefit if an accident causes loss of life, or specific permanent injuries. Here are the details of AD&D coverage:


Family Horizons members ages 18 and over, their spouses,* and their unmarried, dependent (or handicapped) children are eligible. Eligibility ages and requirements for dependent and handicapped children may vary by state, so it’s best to refer to the Certificate of Insurance or call for this information. *The term spouse includes a legal partner as defined by state law.


Coverage amounts are shown below. Loss must be from a covered injury within 365 days of the accident. Coverage includes 100% of no-cost Basic coverage and, if selected, a percentage (listed below) of Additional Coverage.

 Percentage of
No-Cost Basic Coverage
 Percentage of
Member’s Additional Coverage
Loss of Life100%plus100%
Loss of two of the following: Foot, Hand or Eye100%plus100%
Loss of entire sight in both eyes100%plus100%
Loss of one of the following: Foot, Hand or Eye100%plus50%
Loss of speech or hearing100%plus50%
Loss of thumb and index finger of same hand100%plus25%
Loss of thumbN/ALesser of 10% or $1,000

For more information or to get a no-obligation accidental death and dismemberment quote, visit our online insurance quoting system by clicking here

Shannon Reed

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2021 Holiday Schedule

  • New Years Day- Friday, January 1, 2021 Closed
  • Dr. Martin Luther King Jr. Day- Monday, January 18, 2021 Closed
  • Presidents Day- Monday, February 15, 2021 Closed
  • Memorial Day- Monday, May 31, 2021 Closed
  • Independence Day- Monday, July 5, 2021 Closed
  • Labor Day- Monday, September 6, 2021 Closed
  • Columbus Day- Monday, October 11, 2021 Closed
  • Thanksgiving- Thursday, November 25 & Friday, November 26, 2021 Closed
  • Christmas Eve- Friday, December 24, 2021 TBD
  • Christmas Day- Saturday, December 25, 2021 Closed

Please contact a Family Horizons Loan Officer for current rates.