Accidental Death & Dismemberment

We know how much your loved ones matter to you and we want to make it easier and more affordable to protect them. That's why all CTCU members are provided with $1,000 in Accidental Death & Dismemberment (AD&D) insurance coverage, at no cost!

In addition, you can add additional coverage for as low as $1.00 a month per $10,000 of coverage, up to a maximum of $250,000 of coverage. Family coverage which covers you, your spouse, and dependents, is available at only $1.50 per $10,000 of coverage.

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For more information or to enroll stop in any branch. After enrolling in basic coverage, you'll receive an application to upgrade your coverage.

Member Benefits

  • $1,000 coverage at no charge.
  • Low fee ($1.00 per $10,000 of coverage) for additional coverage (up to $250,000).
  • No health questions or medical exams required.
  • Protection is active 24 hours a day, 7 days a week-at home, work, or traveling.
  • Ideal compliment to any existing life insurance plan.
  • Monthly fee for additional coverage is automatically deducted from your account.
  • Peace of mind that your family's financial future is protected.
  • Family coverage is available.
  • Anti-Inflation Benefit increases your coverage by 2%, every 2 years of continuous coverage for a maximum of 10 years.
  • Educational Assistance benefits are paid to each dependent child enrolled as a full-time student in an institution of higher education. See plan for details.
  • Coverage doubles if accident occurs while insured is traveling as a fare-paying passenger of a licensed common carrier.


  • CTCU membership.
  • Age 18 or older.
  • Coverage is reduced by 50% at age 70 or older.