Accidental Death & Dismemberment Insurance


You Can't Expect The Unexpected.

The Credit Union of Southern California (CU SoCal) can help you prepare for the unexpected by providing accidental death and dismemberment (AD&D) insurance to supplement your current insurance policy.
If an accident should occur, AD&D insurance through Affinion will help your family pay off the mortgage, ensure bills don’t mount up, and maintain financial security. The benefits are paid directly to you or your beneficiary.


What Is AD&D Insurance?

AD&D insurance is often added to an existing life insurance policy. In the event of an accidental death, this insurance will pay benefits to the beneficiary. Additionally, AD&D coverage generally pays benefits for the loss of limbs, fingers, toes, sight, and covers permanent paralysis.
CU SoCal’s AD&D insurance policy covers the insured in the event of loss of life, limb, sight, speech, or hearing due to a covered accident.


Why Families Choose CU SoCal

CU SoCal has been providing financial services to those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County for over 60 years, and is the fastest growing credit union in Southern California.


Eligibility Requirements for AD&D Insurance Coverage

• Insured and spouse: 18 and older.
• Dependent children: 19 and under, or under 25 if enrolled in accredited institute of higher learning.
• No termination age, however coverage reduces 50% at age 70.


Family Coverage

• CU SoCal's AD&D protection offers families a wide range of coverage.
• Spouse with children, 50% additional coverage amount.
• Spouse without children, 60% additional coverage amount.
• Child/children: 20% additional coverage amount.

Additional Benefits

CU SoCal's AD&D coverage provides additional benefits that enhance the value of the plan, so you and your family have added peace of mind.

Anti-Inflation Benefit: For every two years your additional coverage continues, it will be increased by 5%. This provision can continue to increase coverage until it reaches 125% of the original amount of insurance.

Common Carrier Accidental Death: Provides benefits for accidental loss of life from a covered injury while traveling as a fare-paying passenger in or on a public conveyance operated by a licensed common carrier. Benefit is two times the amount of additional coverage.
Educational Assistance Benefits: If the insured dies from a covered accident, an educational benefit will be paid for each dependent child enrolled as a full-time student in an institution of higher education. Benefits will also be paid for dependent children who are in twelfth grade on the date of the insured’s death, and who enroll in an institution of higher education within one year.
Dependent Child Care: Pays child care costs equal to the lesser of 2% of additional coverage, $2,000, or incurred child care expenses per eligible dependent child up to lifetime maximum of $50,000, if the insured dies from a covered accident.

CU SoCal is happy to provide you with more details on how our
accidental death and dismemberment insurance can help you prepare for the unexpected.

Contact us.

A CU SoCal representative can schedule your no-obligation consultation, answer your questions, and help you set up AD&D coverage. Call us at 866.287.6225 or email us at

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Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


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