ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) Insurance

PARTNER: TRUSTAGE®

$1,000 of no-cost AD&D coverage for members ages 18 and older

No health questions or medical exam for the no-cost benefit

Affordable options to increase your coverage
CLAIM YOUR COVERAGE

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NO-COST COVERAGE FOR MEMBERS

As a valued LAPFCU member, you’re automatically eligible to receive $1,000 of Accidental Death & Dismemberment coverage through TruStage® at no cost, if you’re 18 or older.* Simply claim your coverage in minutes. No health questions or medical exam are required for the basic benefit.

FINANCIAL PROTECTION WHEN THE UNEXPECTED HAPPENS

Accidents can happen at work, on the road, at home, or while traveling. Although no insurance policy can replace a loved one or undo a life-changing injury, AD&D insurance helps provide financial support when families need it most. Benefits can help cover expenses such as:

  • Mortgage or rent payments 
  • Household bills 
  • Childcare education expenses 
  • Medical costs 
  • Daily living expenses 
  • Funeral costs 
  • Other financial obligations

LAW ENFORCEMENT PROFESSIONALS SHOULD CONSIDER AD&D

Police officers, sheriff’s deputies, and other law enforcement professionals often work in unpredictable environments.

Whether you’re responding to emergencies, commuting long distances, working overnight shifts, or serving your community in physically demanding roles, accidents remain an unfortunate reality.

AD&D insurance offers an additional layer of financial protection for your loved ones if a covered accidental death or qualifying permanent injury occurs. Many members choose AD&D as part of a broader financial protection strategy alongside life insurance, disability insurance, and retirement planning.

WHAT IS AD&D INSURANCE?

Accidental Death & Dismemberment insurance pays a benefit if a covered accidental death or qualifying permanent injury occurs. Depending on the policy, covered injuries may include:

  • Loss of a limb 
  • Loss of speech 
  • Loss of hearing 
  • Loss of eyesight 
  • Paralysis 
  • Other qualifying permanent injuries

ADD MORE PROTECTION FOR YOUR LOVED ONES

Life can change in an instant. Additional AD&D insurance offers an affordable way to help protect your family’s financial future if an accidental death or serious permanent injury occurs.

  • Coverage is available for you, your spouse, and your children
  • $100,000 in coverage can cost as little as $10 a month.**

Questions? Contact TruStage at (855) 591-9026.

Complete Your Protection

Financial security involves more than one type of coverage. Explore additional ways to help protect your family and your finances.

FAQs

AD&D insurance provides a benefit if a covered accidental death or qualifying permanent injury occurs. It is designed to supplement other financial protection, such as life insurance.
Eligible LAPFCU members who are at least 18 years old can claim the no-cost AD&D benefit offered through TruStage®.
No. The no-cost AD&D coverage does not require a medical exam or health questions.
Visit the TruStage enrollment page through LAPFCU and complete the brief enrollment process to activate your no-cost benefit.
Law enforcement professionals, including police officers, sheriff’s deputies, and civilian personnel, often face increased occupational and commuting risks. AD&D provides an additional layer of financial protection if a covered accidental death or qualifying permanent injury occurs.
Yes. Eligible members have the option to purchase additional AD&D coverage beyond the no-cost benefit.
Yes. Additional coverage options are available for spouses and dependent children.
Benefits can help your family with mortgage payments, living expenses, childcare, education costs, medical bills, funeral expenses, and other financial obligations.
Many members choose additional AD&D protection when they: 
  • Purchase a home 
  • Get married 
  • Have children 
  • Become the primary income earner 
  • Take on larger financial responsibilities 
  • Want additional peace of mind
Premiums vary based on the amount of coverage selected. As an example, $100,000 worth of coverage may cost as little as about $10 per month. Refer to the current TruStage materials for complete pricing and eligibility.
Contact TruStage directly at (855) 591-9026 for questions about eligibility, enrollment, coverage options, or claims.