Accidental Death & Dismemberment


Accidents can occur anytime, anywhere.  With the PIA Trust Accidental Death & Dismemberment Insurance Plan, you and your qualified dependents can be covered in case of an accident 24 hours a day, anywhere in the world - at home, at work or on vacation.

Product Offering
If you suffer an injury which results in a loss of life or limb, the coverage will pay the sum as outlined in the policy for the Loss provided the accident that caused the Loss occurred while covered under this benefit; and except for loss of life, the Loss occurs within the 365 day period immediately after the date of the accident.

Plans Available:

Member/Employee Only Plan
Eligible members/employees choose coverage amounts starting at a Minimum of $30,000 up to a Maximum of $400,000 in increments of $10,000.

Family Plan
Eligible members/employees can include coverage for family members while insuring themselves.

Amount of Coverage as Percent of Member/Employee Principle Sum;

Dependent Spouse:
50% if there are no Dependent Children insured
40% if there are Dependent Children insured

Dependent Child(ren):
10% for each covered Dependent Child

Who Is Eligible To Apply?
A person described below is an eligible person if he or she:

  • is under age 70 at time of application
  • works at least 20 hours per week; and
  • resides in the United States

Individual proprietors, partners, corporate officers, limited liability partners, and managers of Member Agencies who are principally engaged in the business of the Member Agency and who maintain current membership status in the National Association of Professional Insurance Agents;

Trustees of PIA Services Group Insurance Fund who maintain current membership status in the National Association of Professional Insurance Agents;

Persons employed as executive directors, department heads, division heads, or senior staff of the National Association of Professional Insurance Agents, a local PIA affiliate, or PIA Services, Inc.

Licensed employees of Member Agencies;

Independent Producers who:

  • work exclusively for a Member Agency;
  • maintain current membership status in the Professional Insurance Agents;
  • receive from the Member Agency a monthly commission which, when combined with any draw against commission, equals an amount not less than minimum wage times 150 hours; and
  • are certified by the Member Agency as working at east 30 hours per week.

Employees of a Member Agency;

Employees of PIA Services Group Insurance Fund;

Employees of the National Association of Professional Insurance Agents or its local PIA affiliates and

Employees of PIA Services, Inc.

For complete highlights of this coverage, please download the Accidental Death & Dismemberment Brochure (429k pdf)

PIA National membership, when required, must be current at all times, please see the Eligibility section in the policy for membership exceptions.  

The complete listing of your coverage including exclusions and limitations can be found in the group policy/certificate.  If differences exist between this summary and the policy/certificate, the policy/certificate will govern. To obtain a sample certificate, please contact the Plan Administrator.

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