--- title: You Can’t Predict the Future, But You Can Help Protect It description: You can take steps now to help protect your family from the financial toll if the unexpected happens to you. image: https://www.tmait.org/hubfs/July%202025/July%202025%20Week%201%20-%20ADandD%201.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![Happy family of 4 on the beach](https://www.tmait.org/hubfs/July%202025/July%202025%20Week%201%20-%20ADandD%201.png) [Residents](https://www.tmait.org/blog/topic/residents) # You Can’t Predict the Future, But You Can Help Protect It 5 July 2025 You Can’t Predict the Future, But You Can Help Protect It 4:04 You can’t predict when or where a serious accident might happen—on the road driving to work, during your daily routines, or while traveling for vacation or to a conference. But you can take steps now to help protect your family from the financial toll if the unexpected happens to you. If an accident were to occur, the last thing you or your loved ones should have to worry about is whether your current life insurance is enough. Strengthening your protection with supplemental life insurance doesn’t have to be complicated. TMA Insurance Trust offers a straightforward solution: the TMA Member Accidental Death and Dismemberment (AD&D) Plan, **issued by The Prudential Insurance Company of America.** Members under age 65 are ***guaranteed acceptance***—no exams, no health questions. ## Your Life Insurance May Not Be Keeping Up If you received life insurance early in your career, it may no longer reflect your growing family needs or current financial obligations. And if you’re employed, your group coverage likely has a cap, and adding more may mean going through exams, paperwork, and higher premiums if your health has changed. If you're an independent physician, your options may feel even more limited. Reapplying for more life insurance after a health change can lead to higher costs or denials. With guaranteed acceptance for members under age 65, you can supplement your current life insurance without medical exams, lab work, or health questionnaires. The TMA Member AD&D Plan helps you prepare for some of life’s unpleasant and unexpected events. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/95333485-3dde-4ee4-bef8-acd240c80460.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/95333485-3dde-4ee4-bef8-acd240c80460)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** - **GUARANTEED ACCEPTANCE** - Practicing TMA members under age 65 cannot be turned down. Members under age 60 are guaranteed up to $1,000,000 of coverage. - **NO health questions **- Even if your health has changed significantly, you won't need to answer medical questions. - **NO medical exam** - No physical exams or lab work required. - **NO risk** - 30-day review period to decide if the plan is right for you. - **Easy enrollment online** - Choose coverage that fits your needs and your schedule. The risk of a serious accident is always present. The TMA Member AD&D Plan adds critical insurance protection to your existing insurance coverage. It’s simple, flexible, and customizable, with coverage increments starting at $50,000. Members can also enroll their dependent spouse or domestic partners under age 65 and their dependent child(ren) under age 26. Improving your insurance coverage and gaining added peace of mind may cost less than you expect. For example, members under the age of 60 can secure $1,000,000 of coverage for only $30 per month. ## Coverage That Steps in When You Need It As a busy physician, this plan was created with you in mind. A quick enrollment, no medical questions, and flexible coverage. It’s a way to strengthen your insurance portfolio and give your family added coverage, without adding to your already full schedule. No one wants to think about a serious accident happening to them. But with the TMA Member AD&D plan, you don’t have to waste time worrying about the what-ifs. We have made it easier than ever for you to take action. Your family’s future deserves thoughtful insurance protection. Add the TMA Member AD&D Plan to your insurance portfolio today. Enroll online with guaranteed acceptance by clicking the button below, or call us at 800-880-8181 to speak with a TMA Insurance Trust advisor. We’re here Monday through Friday, 8:00 AM to 5:00 PM CST. [![APPLY ONLINE TODAY](https://no-cache.hubspot.com/cta/default/400074/c72eabc2-9c9e-4cc8-8114-1b4e41cc57c1.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/c72eabc2-9c9e-4cc8-8114-1b4e41cc57c1)[![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/af355cc5-be43-493c-aa1c-d3a06eaa0027.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/af355cc5-be43-493c-aa1c-d3a06eaa0027) For over 70 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of quality insurance plans. TMA Member Accidental Death and Dismemberment coverage is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-Certificate contains all plan information, including limitations and exclusions. CA COA #1179, NAIC #68241, Contract Series 83500 1087086-00001-00 ** [ Residents ](https://www.tmait.org/blog/topic/residents) [, Individual Coverage ](https://www.tmait.org/blog/topic/individual-coverage) [, Family ](https://www.tmait.org/blog/topic/family) [, Accidental Death and Dismemberment ](https://www.tmait.org/blog/topic/accidental-death-and-dismemberment) [, Independent Physician ](https://www.tmait.org/blog/topic/independent-physician) [, Employed Physicians ](https://www.tmait.org/blog/topic/employed-physicians) [, Practice Owners ](https://www.tmait.org/blog/topic/practice-owners) [, Practice Managers ](https://www.tmait.org/blog/topic/practice-managers) [, Locum Tenens ](https://www.tmait.org/blog/topic/locum-tenens) [, Independent Contractor ](https://www.tmait.org/blog/topic/independent-contractor) [, Insurance for Women ](https://www.tmait.org/blog/topic/insurance-for-women) [, Women Physicians ](https://www.tmait.org/blog/topic/women-physicians) [, Young Physicians ](https://www.tmait.org/blog/topic/young-physicians) ** [Life Events](https://www.tmait.org/blog/topic/life-events) [**Previous Entries](https://www.tmait.org/blog/from-frustrated-to-covered-one-doctors-health-plan-discovery-group-benefits) [Next Entries**](https://www.tmait.org/blog/rising-costs-ahead-reassess-your-group-health-plan-group-benefits) ## Recommended Posts ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [Disability Insurance—Without Gender-Based Pricing Discrimination](https://www.tmait.org/blog/disability-insurance-without-gender-based-pricing-discrimination) ### [Mind the Gap: Why Your Employer’s Disability Coverage May Fall Short](https://www.tmait.org/blog/mind-the-gap-why-your-employers-disability-insurance-coverage-may-fall-short) ### [When Your Family Depends On You: Disability Insurance for Physicians](https://www.tmait.org/blog/when-your-family-depends-on-you-disability-insurance-for-physicians) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [When “Easy Online” Life Insurance Wasn’t So Easy](https://www.tmait.org/blog/when-easy-online-life-insurance-wasnt-so-easy) ### [Don’t Let a Busy Schedule Block Your Disability Protection](https://www.tmait.org/blog/dont-let-a-busy-schedule-block-your-disability-insurance-protection) ### [Do Online Life Insurance Promises Tell the Whole Story?](https://www.tmait.org/blog/do-online-life-insurance-promises-tell-the-whole-story) ### [Great Salary, No Safety Net: Protecting the Income that Powers it All](https://www.tmait.org/blog/great-salary-no-safety-net-protecting-the-income-that-powers-it-all-short-term-disability) ### [The Blind Spot in Your Disability Coverage](https://www.tmait.org/blog/the-blind-spot-in-your-disability-coverage-short-term-disability) ### [Avoiding The High Cost of Silent Illnesses](https://www.tmait.org/blog/avoiding-the-high-cost-of-silent-illnesses-critical-illness) ### [A View from the Other Side of the Stethoscope](https://www.tmait.org/blog/a-view-from-the-other-side-of-the-stethoscope-critical-illness) ### [You Treat Illness, But Can You Afford It? 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