Accidental Death and Dismemberment Insurance Plan

Man and son fishing.

MCA is committed to the Corps. That's why we're offering MCA members Accidental Death and Dismemberment (AD&D) Insurance designed to help provide financial relief for you and your family during a difficult time.

Why Choose MCA AD&D?

Created to help in the event of a covered accident that results in death or serious injuries, such as the loss of a limb or blindness, MCA's policy is guaranteed to members under the age of 69!

If you're currently enrolled in one of our Group Term Life plans, this policy will add to your existing coverage! And, if you're not enrolled in another plan, MCA AD&D could be especially important in the event of a tragic accident or injury.

Accidents and unintentional injuries are the 4th leading cause of death.

"FastStats—Accidents or Unintentional Injuries." Centers for Disease Control and Prevention, September 2022.

Get cash benefits up to $500,000 for a low monthly premium!

Download and mail your enrollment form.

This insurance product may not be available in all states and U.S. territories, including AK, ID, NM, NY, OR, PR, UT, VT, WA, WV, and Guam.

Plan Highlights

  • Guaranteed issue: No physical exam or health questions for MCA members under age 691
  • Choice of cash benefits: $100,000 to $500,0002 to help cover expenses, like medical bills, end-of-life costs, education, and more
  • Low monthly premium: Group rates specially negotiated for MCA members
  • Knowledgeable insurance experts: Ready to assist with options and insurance jargon, as well as filling out your enrollment form and more
Want more details?
Download the MCA Accidental Death & Dismemberment Insurance brochure.

1 Must be under age 69 to be eligible.
2 Benefits reduce by 50% on the premium due date on or after the next date following the insured's 70th birthday. Benefits reduce another 50% on the premium due date on or after the next date following the insured's 75th birthday.

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy ADD-13269 as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155, detail exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Pearl Insurance is the Plan Administrator and insurance broker that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder.