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    Accidental Death Benefit

    An AFS Membership provides you and your family members with Accidental Death Benefits (ADB). The Common Carrier benefit will be paid in lieu of any other benefits for Accidental Death.

    * Benefits vary by member level. Please see charts below for details.

    Member Levels: Independence — Family Option,
    Independence — Single Option (Principal Member Only)


    Accidental Death Benefit

    Common Carrier

    Principal Member $40,000 $60,000
    Principal Member's Spouse $20,000 $20,000
    Principal Member's Children $5,000 $20,000

    Member Levels: Access


    Accidental Death Benefit

    Common Carrier

    Principal Member $2,500 $10,000

    A covered person is limited to one eligibility either as 1) Primary Member OR 2) Spouse OR 3) Dependent Child

    Coverage not available in: MD, ME, NC, SD

    You will also be covered for accidental dismemberment which pays a percentage of the Accidental Death Benefit Amount. If an insured person has multiple losses as the result of one accident, the policy will pay the single largest amount applicable.

    Common Carrier Accidental Death pays a benefit if you suffer an accidental death while riding in, entering, or exiting any motorized land, water, or air conveyance, operated by an organization other than the Policyholder, organized and licensed for transportation of passengers for hire, and operated by an employee or an individual under contract.

    The preceding is only meant to be a brief summary and is not a contract. The policy contains certain limitations, reductions, and exclusions. If there are any conflicts between this document and the policy, the policy shall govern. Please refer to the policy for complete coverage details. Coverage may not be available in all states. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is description only. Actual coverage is subject to the language of the policy as issued (Policy # 9907-08-33). Exclusions Apply. Chubb, Box 1615, Warren, NJ 07061-1615.

    The benefits explained herein are offered at the sole discretion of AFS and may vary by availability, package option, vendor, and state of residence. Vendors reserve the right to withdraw or change offers without notice. Restrictions and limitations may apply. Please contact AFS for state availability. Benefits are updated periodically and Members should check the Web site ( or call AFS Member Services (1-800-492-1016) for the latest information.

    2016 Americans For Financial Security For More Information: 1-800-492-1016