First Financial is pleased to offer our members Accidental Death & Dismemberment (AD&D) Insurance coverage in the amount of $1,000.* There is no cost to you for this AD&D Insurance protection.
If you choose to purchase additional coverage, you may do so. The premiums will be deducted quarterly and will appear on your account statement.
Review a list of frequently asked questions:
Do I automatically receive the $1,000 no-cost basic insurance?
No. You must complete and return the enrollment form.
Do I have to buy additional coverage in order to get the $1,000 basic?
No. The $1,000 AD&D insurance coverage is provided to you, at no cost, as long as you maintain your account with us.
How much additional coverage may I choose? Can I get insurance for my spouse and family, too?
AD&D insurance has coverage levels to fit your budget, from $10,000 to $300,000. Spouses and unmarried children under the age of 19 years (age 25 if full-time students) may be insured under the family plan. If the family plan is selected, spouses are insured for 50%. Dependent children are each insured for 20%. If your household does not have any dependent children, the spouse’s coverage rises to 60% of the additional coverage selected.
*All coverage is reduced by 50% at age 70
How do I file a claim?
Call toll free at 1-877-607-4376 weekdays, 7:00 a.m. to 8:00 p.m., Saturdays, 8:30 a.m. to 5:00 p.m., CST.
Who is the underwriter for this insurance? Are they reputable?
This insurance is underwritten by Minnesota Life Insurance Company, except in New York, where it is underwritten by Securian Life Insurance Company. A.M. Best, a company that evaluates the financial condition of insurance companies, gives both Minnesota Life and Securian Life an A+ (Superior) rating. A+ is the second highest of 16 ratings. Ratings are current as of December 2016.
How long will it take to process my claim?
The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Nashville, TN. Once processed, the claim is then forwarded to the underwriter for determination of benefits.
Who is the Plan Administrator?
The Plan Administrator is Affinion Benefits Group, a division of Affinion Group, one of the nation’s largest providers of direct response insurance programs. For all questions and general information, please call toll free 1-877-309-6576 weekdays, 7:00 a.m. to 8:00 p.m., Saturdays, 8:30 a.m. to 5:00 p.m., CST.
How will I be billed?
What if I decide to cancel?
Your coverage has a no-risk 30-day guarantee. If you choose not to keep your insurance, simply call toll free 1-877-607-4376, and your insurance will be cancelled immediately. Any premiums you have paid during the 30-day period will be fully refunded to you.
Is there an age cutoff?
There is no termination age; however, coverage reduces 50% at age 70 and older.
Do I have to take a medical exam or answer a lot of health questions?
No. There are no medical questions or physical exams required to qualify.
What does “common carrier” mean?
The common carrier benefit applies when you pay a fare to travel on common or public forms of transportation. This includes commercial airlines, trains, buses, cabs, ferries, and more.
When does my coverage begin?
The effective date is shown on your Insurance Coverage Document.
How long does it take before I receive my insurance coverage document?
It takes about 30 days from the time the enrollment form is received to process and issue the Insurance Coverage Document.
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