Member Products

Overview

AOPA Accident Insurance Plan Protects You 24/7

In the Air, on the Job, At Home

Specialized Benefits for Pilots

You're protected when you're flying. Benefits cover general aviation pilots of all levels of flying, even student pilots. You're guaranteed coverage without a physical. Plus, rates don't increase with age. Enroll now.

Whether you're flying, traveling, working or at home, you are at risk of being in an accident. As a matter of fact, accidents are one of the leading causes of death in our nation, according to the National Safety Council.¹

Today, you can add up to $300,000 of AOPA Accidental Death and Dismemberment Insurance Benefits. You're protected as a pilot, driver, worker and more:

• Pays up to a $300,000 benefits for aviation-related accidents and other mishaps (see Terms for details)
• Adds up to $50,000 for total and permanent disability
• Provides up to an extra $50,000 for commercial airplane, train or bus accidents
• Pays up to $40,000 extra for safe driving (seat belt and air bag use)
• Includes up to $5,000 transportation benefit
• Includes up to $5,000 for rehabilitation if perscribed by a doctor
• Increases your spouse's coverage for a common accident death

AOPA Accident Plan safeguards your family:

• Provides up to $5,000 career training for your covered spouse if you die
• Pays up to $5,000 a year toward your eligible children's college education if you die
• Includes up to $5,000 extra if an elderly relative depends on you
• Adds up to $2,500 a year to cover child care
• Pays in addition to any other insurance
• Cash for your family to spend as needed—and get back on their feet

¹National Safety Council, Injury Facts 2011

Guaranteed Accceptance

The AOPA Accidental Death and Dismemberment Plan is offered to you with no physical exam or health questions. You and your family are guaranteed coverage regardless of your health. Accept now.

Enroll now. And get complete 24/7 accident protection for when you fly, work, play! Secure online enrollment or call us at 1-800-872-2672

Benefits

Accept the AOPA Group Accidental Death and Dismemberment Insurance Plan TODAY
24-hour coverage—benefits up to $300,000. And you're guaranteed $300,000 of benefits as an AOPA Member under age 70. No physical exam or health questions.

Adds up to $50,000 Disability Benefits
If you become totally and permanently disabled within 180 days of an accident, you collect up to $50,000 (or 5% of your full benefit amount). You must submit proof of your disability and your disability continues to be total and permanent.

Pays up to $50,000 EXTRA for common carrier accidents
If you suffer a loss when traveling on a commercial airplane, bus, train, or other common carrier, the plan pays an extra amount equal to 50% of your benefit (up to $50,000).

Pays up to $40,000 EXTRA for safe driving
The AOPA Accidental Death and Dismemberment Insurance Plan pays up to an additional $40,000 (or 15% of your full benefit amount, whichever is less) if you or a dependent die in an auto accident with seatbelt and airbag usage. If only a seatbelt is used, the Plan pays an extra $25,000 (or 10% of the full benefit amount). The extra benefit is paid in addition to any other benefit.

Pays up to $5,000 EXTRA for transportation
If there is a fatal accident more than 75 miles from your home, an additional transportation benefit of up to $5,000 (2% of your benefit amount) will be paid.

Includes up to $5,000 for rehabilitation
If your doctor perscribes rehabilitation within two years of a covered accident and you're not under worker's comp, you collect up to 2% of your benefit amount or up to $5,000. Only one maximum benefit is available for all losses from the same covered accident.

Increases your spouse's benefits for common accident
If you and your spouse die within one year of each from a common accident, your spouse's benefits will be paid to equal your benefit amount, not to exceed an additional $50,000.

Guaranteed Acceptance

• Guaranteed to You
  You're guaranteed benefits as long as you are an AOPA Member under the age of 75 (from ages 70-75, benefits are up to $50,000)
• Guaranteed to Your Family
  The AOPA Accident Insurance Benefits are also available to your family. Your spouse qualifies for half of your benefit amount while your dependent children under age 25 are guaranteed 10% of your benefit amount.

Your spouse, your children, your parents, your siblings or your estate will automatically be the beneficiary for your AOPA protection. However, you may change your beneficiary at any time by notifying AOPA Insurance Plans in writing. You are the beneficiary for your dependent's coverage.

Benefits to Help Pay Tuition, Childcare and MORE!

If you die in a covered accident:

• Your spouse qualifies for an extra $5,000 career training benefit. The benefit must be used for training within the event of insured Member's death to help pay tuition at any licensed professional or trade school, within 30 months following the date of death, for the purpose of obtaining an independent source of income.
• Your eligible child(ren) in the 12th grade or enrolled full-time in postsecondary institution or higher learning school within 365 days following the date of your death will receive 5% of the amount of your coverage (up to $5,000) for each year of school attendance. Benefits paid for up to four consecutive years. The benefit will end if student's full-time attendance is less than six months or is no longer and eligible dependent.
• Additional benefits will be paid to help with childcare if you die as the result of a covered accident. If your dependent child under age 13 is enrolled in a licensed day care center within 90 days of your death, an extra annual benefit of 3% of your benefit amount (up to $2,500 a year) will be paid. Benefits end when your child(ren) no longer attend day care at least 1,000 hours a year or the child(ren) are no longer 13 years.
• An extra eldercare benefit will be paid, too. If at the time of your death from a covered accident an elderly relative depends on you, an additional benefit of 5% of your benefit amount (up to $5,000) will be paid. Benefits are payable for only one elderly relative who resides at your primary residence at the time of your death.

RATES STAY THE SAME with age!
You pay the same rate no matter your age or level of flying experience.

Pays you directly!
Because accidental deaths and disabling injuries result in special needs and high medical bills, the AOPA Plan provides you with "quick cash" benefits to cover these expenses. You or your family member will collect the following benefits based on your loss.

When a covered injury results in a loss 12 months after the date of the accident, benefits are payable. Certain losses are payable at 100% of the selected benefit and other losses are payable as shown:

If you suffer multiple losses due to the same accident, only one benefit amount, whichever is greater, is payable. Loss is defined as the complete severance of the hand or foot at or above the wrist or ankle joint, total and irrecoverable loss of entire sight, speech or hearing, and severance of two or more entire digits of both the thumb and index finger. To receive benefits, loss must be independent of sickness and other causes.

Burn Benefit - If you suffer disfigurement due to burns covering at least 5% of your body, benefits are paid of 10% of your benefit amount (up to $30,000).

Coma Benefit - If, due to a covered accident, you are in a coma, you will collect a coma benefit until you are no longer in a coma or the maximum benefits have been paid. You collect 2% of your benefit amount per month up to 12 months or a maximum of $24,000.

You're under no obligation
If you decide the AOPA Accidental Death and Dismemberment Insurance Plan isn't for you, just let us know in the first 30 days. We'll promptly refund your premiums...no questions. No obligation.

Guaranteed acceptance.

Enroll now.

Rates

High-value Benefits at a Rate Pilots Can Afford

Take Advantage of your AOPA Member-Only Premiums

As a pilot you have specialized needs, that's why the AOPA Accident Insurance Benefits provides you with a broad range of accident protection—aviation-related and more! Plus, as an AOPA Member, you gain access to affordable group rates which are typically lower than other pilots can get.

Annual Premiums

Other Coverage Amounts are Available.
If you do not see the level of coverage that you are interested in, please call 800/USA-AOPA (872-2672) M-F, 8:30 a.m. - 6:00 p.m. Eastern Time, and an AOPA Membership Assistance Representative will give you the information you need.

*Coverage reduces to $50,000 at age 70. Coverage terminates at age 75.

†Rates may be changed on a class-wide basis.

Call 800-872-2672 for additional benefit amount options and rates.

FAQs

• Q: Should I have accident protection if I carry life insurance?
  A: Accidents rank as one of the top causes of death in our country, according to the National Safety Council. It makes sense to add extra protection for accidental deaths or injuries. The AOPA Accidental Death and Dismemberment Insurance pays benefits to cover the unique costs associated with accidents—in addition to any coverage you already have. And accident protection is affordable—add up to $300,000 of protection for just pennies a day.

  ¹National Safety Council, Injury Facts 2011

• Q: Does accident insurance duplicate my aircraft or auto coverage?
  A: No, because aircraft or auto insurance protects your plane and vehicle. AOPA Accident Insurance Benefits protect you. Benefits are paid directly to you and your family to spend as needed.
• Q: Will I require a physical exam or blood test to get coverage?
  A: No, you and your eligible family members are guaranteed coverage—regardless of your level of flying experience, profession, lifestyle, or travel plans.
• Q: How much protection should I get?
  A: Accident coverage is inexpensive so many AOPA Members, under age 70, get the maximum protection available—$300,000.
• Q: How does the AOPA endorsed Accident Plan provide extra coverage for my family?
  A: The AOPA Accident Plan pays up to $5,000 training benefits for your covered spouse to advance his/her education if you die from a covered accident. Plus, it pays up to $5,000 each year for up to four years for your eligible children to attend college if you die.
• Q: What if I'm injured at work?
  A: Benefits will be paid to you even if you suffer a covered injury at work and receive Workers Compensation benefits (other than the rehabilitation benefit). The AOPA Accident Plan pays benefit for any covered accident—24 hours a day, anywhere.
• Q: Who will be my beneficiary of my AOPA coverage?
  A: You decide who collects your benefits by designating your beneficiary on your Enrollment Form. If you do not name someone, your beneficiary will automatically be designated as your spouse, your children, your parents, your siblings, or your estate, in that order. You may change your beneficiary at any time by notifying the AOPA endorsed Insurance Program Administrator in writing. You are automatically the beneficiary for all coverage on your spouse.

Terms

Effective Date of Coverage
This coverage becomes effective on the first month following premium payment and the receipt of your application, provided your enrollment has been approved. As long as your premiums are paid, the Master Policy is in effect, you remain a Member of AOPA and are under age 75, you may continue to renew your coverage.

Certificate of Insurance
This provides an outline of the plan's coverage. You will be mailed a Certificate of Insurance that contains the full terms and conditions. Please read it carefully and file it with your important personal papers where it can be found in case of your accidental death.

Exclusions and Limitations
Endorsed by AOPA Accidental Death and Dismemberment Insurance. Administered by A.G.I.A., Inc.

Underwritten by ReliaStar Life Insurance Company, a member of the ING family of companies.

©2011 AGIA