— Jason P., Member
Safeguard+ AD&D Insurance
Financial protection when life takes an unexpected turn.
Accidents are unpredictable, but your family’s financial security shouldn’t be. American Collective LP’s Safeguard+ AD&D Insurance provides lump-sum benefits in the event of accidental death or serious injury. With coverage extending to participants, spouses, and dependent children, this plan ensures your loved ones have financial support when they need it most.
Added Protection for Life’s Uncertainties
Because healthcare coverage should go beyond routine care.
While health insurance covers medical care, AD&D provides extra financial security in the event of life-altering accidents. Safeguard+ offers benefits for accidental death and a wide range of injuries, making it an affordable way to strengthen your Unity or Prestige plan.
What’s Covered Under AD&D Insurance
Coverage for the Whole Family
Participants receive 100% of the principal sum, spouses 50%, and dependent children 25%.
Protection Beyond Loss of Life
Benefits include payouts for the loss of hands, feet, eyesight, speech, or hearing. Even partial losses, such as a thumb and index finger, are covered.
Financial Flexibility
Cash benefits can be used however they’re needed—from medical expenses and household bills to income replacement during recovery.
Simple Add-On Coverage
Easy to bundle with your existing Unity or Prestige health plan for added peace of mind.
What Our Members Say About AD&D Coverage
Affordable peace of mind trusted by individuals, families, and employers.