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Accidental Death and Dismemberment Insurance Plan

Secure Up to $250,000** in Accidental Death & Dismemberment Cash Benefits to Help Your Loved Ones

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Accidental Death & Dismemberment (AD&D) Insurance Plan

Accidents are one of the leading causes of death in our nation.* But have you taken steps to prepare for when you may be in an accident?


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Make sure you're financially prepared if an accident occurs with the COA Group Accidental Death & Dismemberment (AD&D) Insurance Plan

A distracted driver or a fall off a ladder could wreak havoc on your family's finances. But with COA Group AD&D Insurance you can help make sure your family is more financially secure if you are seriously injured or die from a covered accident.

An accident can happen at any time, anywhere … on the road, at work, on vacation or at home. A person dies from an accident every two minutes in the U.S.*

So try as you might, you cannot be sure you will always be safe. But you can help make sure your loved ones are financially prepared if something happens to you.

The COA Accidental Death & Dismemberment Insurance Plan guarantees your acceptance for up to $250,000 in accident coverage if you're under age 70 and a resident of the U.S. All active-duty Officers, Officers in the inactive reserve, retired members and former Commissioned Officers of the United States Public Health Service and their legal spouse and children are eligible to enroll in coverage. This money could go a long way toward helping your family pay day-to-day living expenses, ensure your children's education, pay medical bills and rebuild their lives.

With AD&D Insurance, you're protected from many types of covered accidents — auto accidents, falls, fires, drownings and more. And you're covered anytime, anywhere ... at home, at work, on vacation ... on top of any other insurance you may already have.



* National Safety Council, Injury Facts 2016, Page 5

**All benefits will reduce to 50% when the insured person attains age 70, and an additional 50% at age 75.


Up to $250,000.00* in World-Wide, 24-Hour Accident Coverage

In your car. At home. On the job. On vacation. You're protected wherever you go ... every minute of every day for covered accidents.

UP TO $250,000.00 IN BENEFITS PAID TO YOUR FAMILY if you fall victim to a covered fatal accident. You could be walking down the street ... driving in your car … or taking a cross-country trip. And this COA safety net isn't just for you.

Of course, your COA Accident benefits are paid regardless of any other insurance you may have. And activating this safety net is easy. There is NO physical exam. NO health questions. NO long forms to fill out. Just tell us which coverage level you'd like and whether you want coverage for "just you" or "you and your spouse" and we'll get everything set up right away. Spouse receives 50% of the member's chosen coverage amount, if there are no covered children..

Accidental Death & Dismemberment Reduction on and after Age 70: On the Policy Anniversary Date or next following an Insured Person's attainment of age 70, his or her amount of Principal Sum will reduce to 50% and upon the attainment of age 75, will reduce to 25%. This reduction will also apply to family coverage.

Family coverage is a percentage of your coverage. The amount of Principal Sum for each of your Covered Dependents is determined below as a percent of your Principal Sum.

  Spouse Each Child
Spouse, but no covered Child 50% 0%
Spouse and Child(ren) 40% 10%
Child(ren), no covered Spouse 0% 15%

Your covered spouse may qualify for up to a $5,000 Education Benefit if enrolled in an Occupational Training program within one year of your death. Certain restrictions described in the Certificate apply.

Dependents Education Benefit

Maximum Amount: $5,000

Percentage of Principal Sum: 5%

Minimum Amount: $1,000

*All benefits will reduce to 50% when the insured person attains age 70, and an additional 50% at age 75.


If your Injury results in any of the following losses within 365 days* after the date of accident, we will pay the sum shown opposite the Loss in the Loss Table shown below. We will not pay more than the Principal Sum for all losses due to the same accident.

Life 100%
Both Hands or Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
Speech and Hearing 100%
Either Hand or Foot and Sight of One Eye 100%
Either Hand or Foot 50%
Sight of One Eye 50%
Speech or Hearing 50%
Thumb and Index Finger of Either Hand 25%


*The 365-day loss period for Loss of Life Only is not applicable to residents of Pennsylvania.


Monthly Accidental Death & Dismemberment Insurance Plan Group Rates
Coverage Options $100,000* $200,000* $250,000*
Member Only $4.00 $8.00 $10.00
Member & Spouse $6.00 $12.00 $15.00

Rates and/or benefits may be changed on a class basis.

You will be billed monthly.


*All benefits will reduce to 50% at age 70, and an additional 50% at age 75.


When Coverage Begins

Your coverage will become effective on the first day of the month following the Administrator's receipt of your enrollment form and first premium payment.

When Coverage Ends

Coverage for you terminates when the Master Policy is terminated, when you fail to pay the required premium, or when you cease to be an Eligible Person. Coverage for your spouse terminates when he/she is no longer eligible due to marital status, failure to pay premiums, or your coverage ends.


The policy does not cover any loss resulting from:

  1. intentionally self-inflicted injury, suicide or attempted suicide; whether sane or insane (in Missouri while sane);
  2. war or act of war, whether declared or undeclared;
  3. injury sustained while in the armed forces of any country or international authority;
  4. injury sustained while riding On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
  5. injury sustained while riding On any aircraft:
    1. as a pilot, crew member or student pilot;
    2. as a flight instructor or examiner; or
    3. if it is owned, operated or leased by or on behalf of the Policyholder, or any employer or organization whose eligible persons are covered under the policy.

Injury means bodily injury resulting directly from accident and independently of all other causes which occurs while you or your spouse / children are covered under the policy.

Loss resulting from:

  1. Sickness or disease, except a pus-forming infection which occurs through an accidental wound; or
  2. medical or surgical treatment of a Sickness or disease;
    is not considered as resulting from Injury.

Loss means with regard to:

  1. hands and feet, actual severance through or above the wrist or ankle joints;
  2. sight, speech or hearing, entire and irrecoverable loss thereof;
  3. thumb and index finger, actual severance through or above the metacarpophalangeal joints.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.


This information explains the general purpose of the insurance described, but in no way changes or affects Master Policy ADD-8467 as actually issued. In the event of a discrepancy between this information 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 Insurance Company 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.

Sponsored by:
COA Group Insurance Program

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Underwritten by:
Hartford Life Insurance Company
Hartford, CT 06155

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The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life Insurance Company.

AGIA, Inc. is the Plan Administrator and Insurance broker that administers the insurance plan on behalf of the Hartford Life Insurance Company for the benefit of the Group Policyholder. AGIA, Inc. is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company.

John B. Wigle, License No. 0482924

COA Insurance Program Administered by:
A.G.I.A., Inc.
PO BOX 9947, Phoenix, AZ 85068
Questions? Call toll-free 1-888-633-6459

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COA AD&D Online Enrollment



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Enroll for Accident Insurance Coverage

Your official Certificate of Insurance outlines the full terms and conditions of the COA Accident Insurance plan. You're under no obligation today because you're fully backed by a 100% Satisfaction Guarantee.

Underwritten by: Hartford Life Insurance Company, Hartford, CT 06155

Policy ADD-8467

Accident Form Series includes 7582, PA-5427, or state equivalent

Not Available in all states


Questions? Call COA's Customer Service and Claims Phone number at 1 (888) 633-6459.