As a BECU member, you are eligible for $1,000 of complimentary accidental death and dismemberment (AD&D) coverage, paid for by BECU and underwritten by Minnesota Life Insurance Company.
With AD&D insurance, BECU members ages 18 and older:
- Are eligible for $1,000 of complimentary AD&D insurance upon enrollment.
- Can waive any health screening or lab tests required for approval.
- Get guaranteed acceptance.
- Are pre-authorized to get up to $300,000 in additional coverage at affordable rates.
All coverage reduces by 50% at age 70 or older, regardless of age at enrollment.
Features and Benefits of AD&D Insurance
AD&D insurance pays benefits on fatal and nonfatal covered accidents. Benefits are paid alongside any existing insurance policies to beneficiaries and the funds can be used to pay for anything they choose, from rent and mortgage to utilities or tuition payments.
AD&D Insurance covers:
- Loss of life.
- Loss of limbs.
- Loss of eyesight.
- Loss of hearing.
- Loss of speech.
- And more.
All conditions above must be due to a covered accident. Limitations and exclusions may apply. Review details and exclusions before enrolling.
Don't delay. Help protect your family's finances when an unexpected accident occurs.
Frequently Asked Questions
BECU has partnered with Franklin Madison Group, LLC to give our members access to accidental death and dismemberment insurance (AD&D) underwritten by Minnesota Life Insurance Company. This insurance will cover people who are insured in the event of loss of life, limb, sight, speech or hearing due to a covered accident.
AD&D Insurance pays benefits on fatal and nonfatal covered accidents. Benefits are paid to beneficiaries alongside any existing insurance policies, and the funds can be used to pay for anything they choose, from rent and mortgage to utilities or tuition payments.
Upon enrollment, BECU members become eligible for $1,000 of no-cost AD&D coverage, underwritten by Minnesota Life Insurance Company. Members can also purchase extended coverage up to $300,000.
No, this coverage is complimentary after you enroll and continue to maintain your membership with BECU.
Yes, spouses and unmarried children age 19 and under (and full-time students under age 25) can be insured under the family plan. If the family plan is selected, spouses are insured for 50% and dependent children are each insured for 20%. Spouse coverage is 60% for households without dependent children.
- BECU members and their spouses (must be 18 or older).
- Dependent children of BECU members (age 19 and under, or under 25 if enrolled in accredited higher learning institution).
- No termination age, however, coverage reduces by 50% at age 70 or older.
- No health screening or lab tests required for approval.
- Guaranteed acceptance.
In addition to returning your completed enrollment form by mail, BECU members can enroll in AD&D coverage online, or call 877-309-6576 to speak with a customer service agent.
Please do not contact BECU to report a claim. Contact the plan administrator at 877-309-6576 or on the Franklin Madison contact us page to report a claim. Please have your nine-digit coverage ID ready. It's located within in your billing descriptor or within your policy documents.
BECU cannot accept premium payments for your coverages. At the time of enrollment, you will provide your preferred account for premium billing, which will be deducted from your account according to your billing terms. To make one-time payments or changes to the account you want billed, you can contact the customer service center at 877-309-6576 or on the Franklin Madison contact us page.
Policyholders should contact the plan administrator at 877-309-6576 or on the Franklin Madison contact us page.
If you'd like to opt out from receiving marketing materials from BECU, you have two options:
- Give us a call at 800-233-2328, Monday through Friday, 7 a.m.-7 p.m., and Saturday, 9 a.m.-1 p.m.
- Or send us a secure message at any time using Messenger in Online Banking or the mobile app. After you log in, look for the teal chat icon at the bottom of the screen on the right side to get started. Learn more about Messenger.
You will no longer receive any marketing materials from BECU, which includes information about improving your financial health, member discounts and other services, our monthly newsletter, pre-screen offers for loans or credit cards, promotional offers, news about the credit union, and more. Learn more.
The Consumer Credit Reporting has an industry five year opt-out program. Register with this program online or call 888-567-8688 to stop receiving credit card and insurance offers. You must register online if you want to permanently opt out of these offers.
You will need to follow the plan administrator's procedures for claims and resolving issues. If you have already done so and the plan administrator has not resolved the claim or issue within the parameters set out in your policy, we encourage you to contact the Washington State Office of the Insurance Commissioner (OIC). Visit the OIC File a complaint or check your complaint status page to learn more.
Visit becu.org/online-privacy-notice for information about BECU's privacy practices.
Insurance product offered and administered by Franklin Madison Group LLC, 801 Crescent Centre Drive, Franklin, TN 37067. Insurance product underwritten and provided by Minnesota Life Insurance Company, 400 Robert Street North, St. Paul, Minnesota 55101-2098. #206367 #0422
$1000 of complimentary Accidental Death & Dismemberment Insurance is paid for by BECU, exclusively for BECU members. See site for details about terms, costs and limitations.