Group Accidental Death & Dismemberment Insurance

Plan for a bright future.

A devastating accident would take a significant toll on your body, but imagine the financial effects it would have on your loved ones’ future ambitions. Would they be able to maintain their standard of living without your income?

With the following NSPE Group Accidental Death & Dismemberment (AD&D) Insurance benefits, you can help your loved ones pave a path to a bright and promising future.

  • Coverage amounts of $50,000 through $250,000, in $50,000 increments
  • Common carrier benefit
  • Repatriation benefit
  • Seat belt benefit
  • Education benefit
  • Portable coverage if you change employers

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Click the buttons below for more information—features, costs, eligibility, renewability, limitations, and exclusions—and to apply for this coverage as well as other trusted products.

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Group Accidental Death & Dismemberment Brochure


Group Accidental Death & Dismemberment Application

Additional Forms

Accidental Death Claim Form

Dismemberment Claim Form

Products Available


This policy is underwritten by New York Life Insurance Company, under Group Policy No. G-30220-0, on Policy Form GMR-G-30220-0/FACE.

New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability.

New York Life’s state of domicile is New York, and NAIC ID # is 66915.

New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer by Standard & Poor's (AA+), A.M. Best (A++), Moody's (Aaa), and Fitch (AAA).*

*Source: Individual Third-Party Ratings Reports as of 10/15/2020.


How much coverage can I apply for?

If you’re an NSPE member, under age 60, a resident of the United States (excluding TX, FL, OH, WA, NC, LA, MT, NH, VT), Puerto Rico, or Canada (excluding Quebec), you’re eligible to apply for a Principal Sum of $50,000 through $250,000, in $50,000 increments of NSPE Group AD&D Insurance.

How long does the application process take? When will my coverage become effective?

This is guarantee issue coverage. Group AD&D Insurance requires no underwriting and is often processed quickly.

How do I calculate my rate?

Premium contributions are based on the member's age at their last birthday. Premiums may periodically increase on policies to reflect coverage utilization and ensure their financial stability.

What if I have second thoughts after I apply?

When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the policy. If you are not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated—no questions asked!

Who is the carrier?

The NSPE AD&D Plan is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 under Group Policy No. GMR/G-30220-0/FACE.

Who administers the program?

The NSPE Group Insurance Program is administered by Pearl Insurance. Pearl Insurance strives to provide NSPE members with the most relevant, exclusively priced member benefit insurance packages for individuals and their families.