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Accidental Death Benefit

Alliance Membership includes 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 the chart below for details.

Member Levels: Individual or Family


Accidental Death Benefit

Common Carrier

Principal Member $20,000 $40,000
Principal Member's Spouse* $10,000 $20,000
Principal Member's Children* $5,000 $10,000

*Spouse and Child benefits not available with Individual level.


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, NC, NM, 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 # 9907-08-31). Exclusions Apply. Chubb, Box 1615, Warren, NJ 07061-1615.

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NOTE: Benefits are updated periodically and Members should check the Web site ( or call Alliance Member Services (1-800-733-2242) for the latest information. Benefit availability dependent upon Membership Level and state of residence and may be subject to change. The benefits explained herein are offered at the sole discretion of the Alliance. If you have a question regarding benefit availability and details, please call Alliance Member Services at 1-800-733-2242.
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