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Extra protection for the unexpected
Accidents happen, but you can be prepared with a bigger safety net!
AD&D insurance
While we have more robust life insurance options, accidental death and dismemberment insurance, underwritten by Minnesota Life Insurance Company, can help give your family an extra layer of protection if you have a fatal accident or suffer serious covered injuries. As a member of Desert Financial, you can get $3,000 no-cost coverage — paid for by us! Plus, get benefits like:
- Up to $300,000 of optional coverage
- No tests. No exams. No questions.
- Get coverage in minutes
Terms, conditions, and exclusions apply. All coverage reduces by 50% at age 70, regardless of age at enrollment. Insurance provided by Minnesota Life Insurance Company 400 Robert Street North, St. Paul, Minnesota 55101-2098. For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. Underwritten by Minnesota Life Insurance Company. For additional information, call the plan administrator TOLL FREE: 1-877-309-1016.
Andrea L. Heger,
Licensed Insurance
Agent #2277322
Insurance products and services are not deposits of Desert Financial Credit Union, are not insured by the National Credit Union Administration (NCUA) or any other type of deposit insurance, are not obligations of or guaranteed by Desert Financial Credit Union or its affiliates, and may be subject to risk.
Recuperative care plan
A hospital stay can be expensive. The recuperative care plan accident and sickness insurance can help fill that gap, paying cash benefits directly to you when you go to the hospital for covered accidents or any sickness. You can get:
- Up to $200 a day for hospitalization due to sickness up to 365 days
- Up to $400 a day for hospitalization due to a covered accident up to 365 days
- Guaranteed acceptance with no health exams
You will be notified by mail when this members-only coverage is available to you.
Terms, conditions, and exclusions apply. Maximum payable to you for each covered occurrence is $73,000.00 for sickness or $146,000.00 for injury. Plan benefit amounts reduce by 50% at age 65 and by an additional 25% at age 75, regardless of age at enrollment. The information provided on this site is a brief description of the important features of this insurance plan, not an insurance contract. Actual coverage is subject to the language of the policy including applicable exclusions and limitations, and may not be available to residents of all states. The plan administrator is Franklin Madison Group LLC. Underwritten by: Minnesota Life Insurance Company - 400 Robert Street North, St. Paul, Minnesota 55101-2098. For additional information, call the plan administrator TOLL FREE: 1-877-309-1016.
Insurance products and services are not deposits of Desert Financial Credit Union, are not insured by the National Credit Union Administration (NCUA) or any other type of deposit insurance, are not obligations of or guaranteed by Desert Financial Credit Union or its affiliates, and may be subject to risk.
4657745 0725
Hospital accident plan (HAP)
A hospital accident plan can give you even more protection when you are hospitalized for covered accidents. It helps you stay on your feet with benefits paid directly to you or anyone you choose, including:
- Up to $1,800 a day Intensive Care Confinement
- Up to $900 a day in Hospital Confinement
- $450 a day for Emergency Room Treatment
Terms, conditions, and exclusions apply. Benefits reduce due to age, beginning at age 65. Benefits described are underwritten by Zurich American Insurance Company (Zurich), 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373 (NAIC #16535). For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. The information provided on this site provides a general description of certain provisions and features of this insurance program for informational purposes only and does not revise or amend the applicable policies. This plan is not health insurance and is not intended to provide comprehensive healthcare coverage. Coverage may not be available in all states or certain terms, conditions, and exclusions may be different where required by law. For additional information, call the plan administrator TOLL FREE: 1-877-941-9508.
Insurance products and services are not deposits of Desert Financial Credit Union, are not insured by the National Credit Union Administration (NCUA) or any other type of deposit insurance, are not obligations of or guaranteed by Desert Financial Credit Union or its affiliates, and may be subject to risk.
FMDFCUHAPPW-25-01
FAQs about AD&D, Recuperative Care and HAP
Are codes required to enroll?
AD&D insurance and HAP do not require a code to enroll. Simply follow the links above to get coverage! Recuperative care does require a code. If you have any questions about the code or other additional insurance products, please contact Franklin Madison.
I have questions about my offer. Who do I contact?
Who is Franklin Madison?
Franklin Madison is the service provider for the AD&D, Recuperative Care and HAP we connect you with at Desert Financial. They are here to help you with any questions you may have about your insurance.
Click here to visit the member-access website service, sponsored and wholly owned by Franklin Madison Group LLC. Once you’ve enrolled, you can also manage your policy, make payments, request claims assistance, change beneficiaries and more through their portal. Simply login for secure access to your account whenever you need it.
The insurance options covered on this page are offered to Desert Financial members by Franklin Madison Group LLC. To discuss the plan benefits of an insurance offer you have received, please reach out directly to Franklin Madison by calling 1 (855) 343-8069 Monday through Friday, 7 a.m. to 8 p.m. CT.