Accidental Death & Dismemberment (AD&D)

hero image

Accident Protection

Accidents can be devastating to a family’s finances. From covering daily expenses to hospital bills, AD&D insurance can help by providing cash benefits if you die or are severely injured in a covered accident. There is no medical exam required, no medical questions to answer and no waiting period to be covered.

Members Can Get $1,000 of AD&D Coverage Paid for by CommunityAmerica

That’s right, as a CommunityAmerica member, you’re eligible for $1,000 of AD&D coverage at no cost to you1. In order to receive this benefit, you must proactively elect this coverage by enrolling online. Additionally, you have the ability to buy up to $300,000 of additional AD&D coverage by taking advantage of our low group rate.

Enroll Here

Get Your Customized Quote

Life Insurance vs. AD&D

Typically, life insurance pays money to your beneficiary if you pass away from any cause — such as accident, illness or old age. AD&D primarily pays out if you pass away due to an accident, but it can also cover injuries.

Profit Payout Share

Profit Payout*

Investing in YOU by sharing our profits.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like better rates, lower fees, and our Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $93 million to members over the past 12 years.

Estimate Your Payout

Female gardener holding a sapling with soil.

Green Insurance Agency

The CommunityAmerica Insurance Agency is committed to operating a sustainable, green business. To do our part in our community, we also contribute to a number of local environmentally friendly organizations.   
Get the Scoop

Member Favorites

Piggy Bank with Coin Being Inserted Icon

High Interest Savings

Grow your money faster at a rate of up to 5.00% APY2 on balances up to $2,500.
Learn More
Heart Emblem on Defense Shield Icon

Life Insurance

Our Insurance Agents are here to help you find the right policy to set your loved ones up for financial security.
Learn More
Large House Icon

Mortgage

Our team of friendly local mortgage experts can help you get into your dream home.
Learn More

Insurance products may be sold through CommunityAmerica Insurance Agency, LLC, a wholly owned subsidiary of CommunityAmerica CUSO One, LLC and a licensed insurance agency in Missouri and Kansas. Insurance products:


Are Not Federally Insured

Involve Investment Risk

May Lose Value

Are Not Obligations or Guaranteed by the Credit Union