A serious accident can change everything in an instant. While life insurance generally provides financial protection for death, it's often not enough to cover the impact of a severe injury. The TMA Member Accidental Death and Dismemberment (AD&D) plan, issued by the Prudential Insurance Company of America, can help bridge that gap, offering you and your family the extra protection you need.
It used to be that AD&D insurance was only for those in hazardous jobs. But times have changed. As a physician, you can appreciate that accidents can happen anytime, anywhere, whether you’re driving to work, doing chores around the house, or traveling for vacation or to a conference. Preparing your family now can help ensure they aren't left financially unprepared if something were to suddenly happen to you.
Filling the Gaps in Your Coverage
You likely obtained life insurance early in your career or have life insurance through your employer, but is it enough? The coverage amount may not have kept up with your family's growth or your increasing financial responsibilities, leaving you with gaps in protection.
Adding more group life insurance through your employer often means answering health questions and possibly undergoing a physical exam. This could lead to higher premiums or even a denial of coverage if your health has changed. Independent physicians may face similar challenges.
TMA Insurance Trust offers the TMA Member AD&D plan as a simple solution to supplement your existing life insurance. Even if your health has changed significantly, you won’t have to worry about health questions, physical exams, or a complicated enrollment process. Acceptance is guaranteed for members; enrollment is fast and easy:
NO medical questions
NO exams
NO waiting
NO risk - 30-day review period to decide if you want to keep your coverage.
Members under the age of 60 can obtain up to $1,000,000 of coverage with guaranteed acceptance. You can customize your coverage in increments of $50,000. This makes it easy to find a plan that fits your needs and budget, and it may be more affordable than you think.
Don’t Wait for an Accident to Happen
With guaranteed acceptance, this plan is an easy way to enhance your coverage. You can also enroll your dependent spouse or domestic partner under age 60 and your dependent children under age 26, extending this valuable coverage to your entire family.
Don’t wait until it’s too late. Now is the time to improve your insurance coverage by adding this personal AD&D insurance plan to your protection portfolio. Gaining peace of mind might be more sustainable than you think. Click the button below to enroll or call for a free consultation. Our experienced advisors are available at 800-880-8181, Monday through Friday between 8:00 AM and 5:00 PM CST.
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