Why Free AD&D Insurance Is a Real Member Benefit
At Greater Nevada Credit Union, membership comes with more than great rates and friendly service. It comes with real benefits designed to protect your financial well-being.
One of those benefits is no-cost Accidental Death and Dismemberment insurance, also known as AD&D insurance, available to eligible members. This is not an add-on or a gimmick. It is part of our commitment to helping you build a stronger financial safety net.
If you have wondered whether AD&D insurance is worth it, or how it compares to life insurance, here is what you need to know.
What Is AD&D Insurance?
Accidental Death and Dismemberment insurance provides a financial payout if a covered accident results in death or serious injury, such as the loss of a limb, sight, or mobility.
Unlike traditional life insurance, AD&D coverage applies specifically to accident-related events. That focused protection can make a meaningful difference when the unexpected happens.
For eligible GNCU members, basic AD&D coverage is provided at no cost. That means you can add an extra layer of accident insurance protection without increasing your monthly expenses.
Is AD&D Insurance Worth It?
When coverage is included as part of your credit union membership, the answer is simple: yes.
Even a modest AD&D policy can help:
- Offset emergency medical expenses
- Support rehabilitation or recovery costs
- Help cover funeral expenses
- Provide financial assistance during temporary income loss
While AD&D insurance does not replace life insurance, it complements it. Together, they create broader protection for your family and your finances.
AD&D vs Life Insurance: What Is the Difference?
Understanding the difference between AD&D and life insurance can help you make informed decisions about your coverage.
Life Insurance
- Covers most causes of death, including illness
- May require medical underwriting
- Typically involves ongoing premiums
- Designed for long-term financial planning
AD&D Insurance
- Covers accidental death or qualifying serious injuries
- Usually does not require a medical exam
- Basic coverage is available at no cost to eligible GNCU members
- Best used as supplemental accident insurance
For many families, combining both types of coverage creates a more complete financial protection strategy.
Forbes: AD&D Vs. Life Insurance: What Is The Difference
Why Greater Nevada Offers Free AD&D Coverage
Our mission is rooted in people helping people. We believe financial institutions should look out for their members in practical, meaningful ways.
Providing no-cost AD&D insurance reflects that philosophy. It supports your financial wellness, strengthens your safety net, and reinforces our commitment to helping more people Live Greater.
This benefit is not about sales. It is about service.
Can You Increase Your Coverage?
Yes. In addition to the complimentary AD&D benefit, eligible members may choose to purchase additional guaranteed acceptance supplemental coverage at competitive member-only rates.
You can request an AD&D insurance quote, compare coverage amounts, and select the option that aligns with your financial goals. The process is straightforward and transparent, so you can make confident decisions.
Built-In Peace of Mind
Accidents are unpredictable. Financial strain does not have to be.
Activating your free AD&D insurance coverage is a simple step that can provide meaningful peace of mind for you and your loved ones. Since it is included as part of an eligible membership, there is no reason to leave this benefit unused.
It is one more way we support you through every stage of life.
Ready to Activate Your Free AD&D Coverage?
If you are an eligible GNCU member and have not yet activated your complimentary coverage, it only takes a few minutes to get started. You may also explore options to increase your protection at a member-only rate.
Activate your free AD&D coverage today and strengthen your financial safety net.
Helpful Resources
What’s the Difference Between Life Insurance and AD&D?
Learn More About GNCU’s Mission and Member Commitment
Aflac: What Does AD&D Insurance Cover?
