Accidental Death & Dismemberment Insurance
How prepared are you for an accident?
With the possibility of losing a loved one due to an accidental death, it is easy to see the benefits of our added protection.
We can provide you with access to Accidental Death & Dismemberment Insurance!
Underwritten by New York Life Insurance Company
With the ACP Member Accidental Death & Dismemberment Insurance secure up to $500,000 of Benefits — GUARANTEED!
Secure up to $500,000 in Coverage— GUARANTEED!
Accidents are the third leading causes of death in our nation, according to the CDC.1 Would your family have the financial resources to survive the crisis? If you travel a great deal in your work … or if you are subject to possible injury on the job … you may need ACP Member Accidental Death & Dismemberment (AD&D) Insurance. It helps protect you and your insured family members by providing accident protection that covers you year round … anywhere in the world.
Today, you can help protect your family with valuable ACP AD&D Insurance:
- GUARANTEED acceptance for eligible ACP Members and their family members
- Pays up to $500,000 in benefits if you die or are injured in a covered accident.
- Pays benefits for car crashes, work and home accidents, drownings, falls, electrical accidents, boating mishaps and more.
- Covers you as passenger in a commercial airplane, train or bus.
- Pays in addition to any other insurance.
- Access to Exclusively-priced ACP group rates
- 30-Day Free Look
1Fast Stats 2024, CDC
Apply for ACP Member Accidental Death & Dismemberment Insurance TODAY.
24-hour, Worldwide Coverage — benefits up to $500,000
You’re guaranteed acceptance into this coverage if you’re an ACP member under age 70. No physical exam or health questions. You must be a resident of the U.S. (except VT or WA) or Puerto Rico. You’re covered anytime, anywhere!1 You have protection 24 hours a day … at home, at work, on vacation … on top of any other insurance you may already have.
1Subject to U.S. government regulations or restricted countries.
Helps to Protect Your Family, too.
ACP protection is also available when you enroll your lawful spouse under age 70 and your dependent children under age 19 (26 if full-time students) – guaranteed regardless of health.
When you choose family coverage, benefits for all covered family members are based on the amount of coverage you select as follows:
Your spouse is covered for 40% of your chosen benefit.
Your child(ren) is/are covered with a benefit equal to 10% of your member benefit.
If no children are covered, spouse coverage increases to 50%. If no spouse is covered, child(ren) coverage increases to 15%.
How It Works
Schedule of Benefits
For an injury directly and independently cause by an accident while coverage is in force for you, your covered spouse or your child, the benefits specified below will be paid if such resulting loss(es) occur within 365 days of the accident.
Benefits are payable for the following losses:
- FULL PRINCIPLE SUM for loss of life; two limbs; movement of both upper and lower limbs (quadriplegia); sight of both eyes; both speech and hearing; or one limb and sight of one eye.
- THREE-QUARTERS PRINCIPAL SUM for loss of: movement of three limbs (triplegia).
- ONE-HALF OF PRINCIPLA SUM for loss of: one limb; movement of both upper and lower limbs on one side of the body (hemiplegia); movement of both lower limbs (paraplegia); sight of one eye; or speech; or hearing.
- ONE-QUARTER OF PRINCIPAL SUM for loss of the thumb and index finger of either hand; or loss of movement of one limb (uniplegia).
Loss means: with reference to limbs, actual severance through or above the wrist or ankle joints; with reference to thumb and index fingers, actual severance through or above metacarpophalangeal joints; with reference to sight, speech or hearing, total and permanent loss thereof; and with reference to movement, total and permanent paralysis of such limbs.
The total benefit payable for all losses due to a single accident will not be more than the Principal Sum. only one of the sums, the largest, will be paid for all injuries to the same limb resulting from one accident.
Common Carrier Benefit
If a covered loss occurs as a result of an accident while a passenger on a licensed common carrier (train, bus, etc.), an additional 25% of the member’s Principal Sum will be payable.
Repatriation Benefit
If a covered accidental death occurs outside of the insured person’s state of residence, and said accident occurs before the covered person reaches age 70, an additional benefit of up to $25,000 of the actual expenses incurred will be paid for the preparation and transportation of the body to the place of burial or cremation.
Rehabilitation Benefit
Rehabilitation training can help an insured person return to former productivity following a covered accident, other than loss of life. If approved, the amount paid will equal the actual expenses incurred for rehabilitation training up to a maximum of $5,000. The expense must be incurred within two years after the date of the accident. You will not be required to pay premium contributions while you, the insured member, are receiving this benefit, until the earlier of the date you return to work, or the $5,000 maximum has been reached.
Seat Belt Benefit
If an insured person is involved in an automobile accident in which he/she was properly wearing a seatbelt and dies within 90 days as a result of that accident, the beneficiary can receive an additional amount which is the lesser of $25,000 or 10% of the Principal Sum payable. Please refer to the Certificate of Insurance for certain limitations and conditions on this benefit.
Education Benefit
If the benefit for loss of life is payable with respect to the insured member, and his/her children are covered by this coverage on the date of the accident, the beneficiary can recieve an education benefit equal to the lesser of: 5% of the member’s Principal Sum in force at the time of death, or; $5,000. This benefit will be payable annually up to four years, for each insured dependent child who is enrolled (or enrolls within 365 days of the accident) as a full–time student at an institution of higher learning (college, university or trade school). The benefit will end before four years if the dependent child ceases to be a Full-Time student. In addition, if no insured child qualifies for this benefit following the covered loss of the member’s life, a lump sum benefit of $2,500 will be payable.
Surviving Spouse Benefit
If both the member and spouse are insured under the policy and one spouse dies as a result of an accident, the policy will pay the surviving spouse an additional benefit equal to 1% of the deceased person’s Principal Sum. The benefit is payable monthly to the surviving spouse for up to 12 months or until the spouse dies, whichever occurs first.
You’re Under No Obligation.
If you decide the ACP Member Accidental Death and Dismemberment Protection isn’t for you, return your Certificate within the first 30 days, without claim, and your coverage will be invalidated. We’ll promptly refund your premium … no questions. No obligation.
Take advantage of ACP Member Accidental Death and Dismemberment Insurance Rates!
Your membership in ACP entitles you to group rates.
Current 2024 Annual Premium Contributions
For Member Only
| Principal Sum | Annual Premium |
|---|---|
| $25,000* | $30.00 |
| $100,000 | $60.00 |
| $200,000 | $120.00 |
| $300,000 | $180.00 |
| $400,000 | $240.00 |
| $500,000 | $300.00 |
Member and Family
| Principal Sum | Annual Premium | ||
|---|---|---|---|
| Member | Spouse | Each Child | Premium |
| $25,000* | $10,000 | $2,500 | $40.00 |
| $100,000 | $40,000 | $10,000 | $79.00 |
| $200,000 | $80,000 | $20,000 | $158.00 |
| $300,000 | $120,000 | $30,000 | $237.00 |
| $400,000 | $160,000 | $40,000 | $316.00 |
| $500,000 | $200,000 | $50,000 | $395.00 |
For Member and Child(ren)
| Principal Sum | Annual Premium | |
|---|---|---|
| Member | Each Child | Premium |
| $25,000 | $3,750 | $40.00 |
| $100,000 | $15,000 | $75.00 |
| $200,000 | $30,000 | $150.00 |
| $300,000 | $45,000 | $225.00 |
| $400,000 | $60,000 | $300.00 |
| $500,000 | $75,000 | $375.00 |
*Renewal Only — Age 70 and Over all amounts reduce to a maximum of $25,000.
The premium contributions shown reflect the current rate and benefit structure. Premium contributions may be changed by New York Life Insurance Company on any premium due date and any date on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insureds. For example, a class of insureds is all others with the same issue age. Benefit option amounts are not guaranteed and are subject to change by agreement between New York Life Insurance Company and the Trustees of American College of Physicians, Inc. Insurance Trust.
ACP Member Accidental Death & Dismemberment Insurance Terms
Important Provisions:
Beneficiary: You may select any person, persons, trust or other legal entity as your beneficiary. If, at the time of your death, there are no surviving beneficiaries, benefits will be paid to the executor or administrator of your estate, or at the option of New York Life, to the surviving relatives in the following order of survival: spouse; children equally; parents equally; or brothers and sisters equally. The member is the beneficiary for spouse’s and children’s coverage. If you wish to designate a different beneficiary, simply contact the Plan Administrator at 1-855-749-7908 for a Beneficiary Form.
When Coverage Ends: Your insurance remains in force unless you fail to pay premium contributions when due, the insured person enters full–time active duty in the Armed Forces, or the Policy is terminated or modified by the Policyholder or New York Life Insurance Company to end insurance for the group of insureds to which you belong. Dependent coverage will terminate when member coverage terminates or when the dependent ceases to be a lawful spouse or eligible dependent child. A member’s surviving spouse and children may continue coverage if it was in force at the time of the member’s death as described in the Certificate of Insurance.
Effective Date: You and your dependents will become insured on the date specified by New York Life Insurance Company provided the initial premium contribution is paid when due, and you and your dependents are performing the normal activities of a person in good health of like age (NC Residents: a person of like age) on that date. Dependent insurance will not take effect unless your insurance is in effect on a premium paying basis, and any person who is not performing his or her normal activities as required will not become insured until the date he or she is performing such activities, provided such date is within three months of the date insurance would have been effective and the person is still eligible. (Payment of a premium contribution for insurance does not mean there is any coverage in force before the effective date as specified by New York Life Insurance Company.)
Exclusions And Limitations
No benefit will be payable for any loss that occurs during or is due or related to: military service; the insured person’s incarceration for or participation in (except as a victim) an illegal occupation/activity or the commission of a crime; the insured person’s voluntary intake of drugs, narcotics or alcohol (unless as prescribed by a physician); any declared or undeclared war or act thereof; or operating, riding in or descending from any aircraft except when riding as a passenger; or for any loss that is due or related to: a physical or mental sickness or medical/surgical treatment thereof, or suicide or intentionally self–inflicted injury while sane or insane. In addition, when you reach age 70, coverage reduces to $25,000.
Certificate Of Insurance
When you become insured, you will be sent a Certificate of Insurance summarizing your coverage. This website contains only a brief description of some of the principal provisions and features. The complete terms and conditions are set forth in the group policy issued by New York Life Insurance Company to the Trustees of American College of Physicians, Inc. Insurance Trust.
Sponsored By:
The ACP Insurance Trust incurs costs in connection with this sponsored Program. To provide and maintain this valuable membership benefit, it is reimbursed for these costs.
Administered by:
A.G.I.A., Inc.
P.O. Box 9947
Phoenix, AZ 85068-9952
A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. J. Christopher Burke California Agent license number is 0F70947. J. Christopher Burke Arkansas Agent license number is 8876308.
Underwritten by:
New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
under Group Policy G-29030-0 on
Policy Form GMR-FACE/ G-29030-0
New York Life is licensed/authorized to transact business in all the 50 united states, District of Columbia and Puerto Rico. New York Life Insurance Company’s state of domicile is New York and their NAIC ID # is 66915.
Download, print and mail in your Enrollment Form today!
- Use the link below to download and print the form.
- Please complete all fields on the Enrollment Form.
- Mail in your form to the ACP Member Insurance Program at PO Box 9947, Phoenix, AZ 85068
Questions? Call ACP Member Insurance Program Customer Service number at 1-855-749-7908.
30-Day FREE Look
When you become insured, you will be sent a Certificate of Insurance, summarizing your coverage. This website is only a brief description of some of the principal provisions and features. The complete terms are set forth in the group policy issued by New York Life Insurance Company to the Trustees of the American College of Physicians, Inc. Insurance Trust.
If you’re not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated, and you will be sent a full refund, no questions asked!
This product is not available in VT or WA.
Questions? Call ACP’s Customer Service Phone number at 1 (855) 749-7908.
Underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010 under Policy Number G-29182-0 on Policy Form GMR-FACE/G-29182-0. Before applying, be sure to read through all tabs of this website to learn more about this coverage including features, costs, eligibility, renewability, limitations, and exclusions.
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