Accidental Death & Dismemberment (AD&D)

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Accident Protection

Accidents can be devastating to a family’s finances. From covering lost wages to hospital bills, AD&D insurance can help. It is extremely affordable and provides financial benefits if you die or are severely injured in an accident. There is no medical exam required, no medical questions to answer and no waiting period to be covered.

CommunityAmerica Members Can Get $1,000 of AD&D for Free

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.

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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.

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Profit Payout

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 Payout2. This year we gave back a record-breaking $9 million to our members. See how having insurance with us could help you grow your share.
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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.   
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High Interest Savings

Grow your money faster at a rate of up to 4.00% APY3 on balances up to $1,500.

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Life Insurance

Our Insurance Agents are here to help you find the right policy to set your loved ones up for financial security.
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Our team of friendly local mortgage experts can help you get into your dream home.
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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