Group Accidental Death and Dismemberment Insurance
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Click for a no-obligation quote or to enroll for coverage. Be sure to review all of the Accidental Death & Dismemberment Insurance information on the Web site before enrolling.

An accidental injury can be severe enough to prevent you from doing the work you do every day. Unfortunately, such an injury can easily happen to anyone. What if you experience the loss of your hand or leg following an automobile accident? Could you continue to work?

That’s where Accidental Death & Dismemberment Insurance comes in. This insurance provides you with a benefit for a covered accidental injury or accidental death. This benefit is paid in addition to any health insurance benefits you might receive.

Benefit Features:

  • Choice of benefit amounts
  • 24-hour coverage—at economical group rates—anywhere in the world
  • Benefits paid directly to the insured or their beneficiary
  • Coverage also available for your spouse or domestic partner and dependent children
  • Offered as a fringe benefit to employees of members and the employees' families
  • More than 12 extra benefits that may be payable in addition to the coverage amount. (See Tell Me More for descriptions.)
This economical insurance is an ideal way to give yourself that extra coverage for the unexpected. Accidents can happen to anyone—protect yourself and your family.


To learn more about the rates of this program, click on the Forms tab.

Accidental Death and Dismemberment (AD&D) insurance coverage is provided under the terms of a group AD&D insurance policy. Group Policy #63584-7, issued and delivered in the state of California to the State Bar of California as the policyholder. The group AD&D insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis, Minnesota. The policy is administered on behalf of ReliaStar Life Insurance Company by Mercer Heath & Benefits Administration, LLC, an insurance administrator licensed in the state of California. This is a paid endorsement. The State Bar of California receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.

Where Available This coverage is available only to residents of the United States and may not be available in all states. Please contact the administrator for details.
Notes For all members of The State Bar of California under age 70, acceptance is automatic. There are no health questions asked and no physical exam required! Your spouse or domestic partner (under age 70) and your unmarried dependent children under age 19 (23 if full-time students) are automatically eligible for coverage when you enroll. Also, employees of members of The State Bar can also enroll in personal coverage or family coverage. Coverage terminates at age 80.
Type of Insurance  Accidental Death and Dismemberment Insurance 
Designed for  Members and their families, members’ employees and their families 
Issue Age  Under age 70 
Coverage Amounts $50,000 up to $500,000 (in increments of $25,000) 
Underwriting ReliaStar Life Insurance Company 

ReliaStar Life does not pay benefits for loss directly or indirectly caused by any of the following:

  • An accident occurring before the Effective Date of the Group Policy.
  • Suicide or intentionally self-inflicted injury, while sane or insane.
  • Physical or mental illness.
  • Bacterial infection or bacterial poisoning. Exception: Infection from a cut or wound caused by an accident.
  • Any armed conflict, whether declared as war or not, involving any country or government.
  • An accident which occurs while in the military service for any country or government.
  • An accident which occurs when you commit a crime.
  • Your intoxication. Intoxication means your blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.

ReliaStar Life does not pay benefits for loss sustained or contracted in consequence of your being under the influence of any controlled substance unless administered on the advice of a doctor.

* Important Notes:

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy.  If there is any discrepancy between this document and the group policy documents, the policy documents will govern. The group policy is sitused in the State of California and is governed by its laws. Group AD&D Insurance underwritten by ReliaStar  Life Insurance Company. Policy Form HP010GP

Answers about the plan, including eligibility, options, enrollment, customer service and more.

AD&D is insurance that pays if you die or are disabled as a result of injuries caused by a covered accident (not due to an illness). A covered accident is one that is explicitly mentioned in the certificate as a basis for payment.

AD&D coverage generally features:

  • High death benefit limits.
  • Affordable premiums.
  • No medical exam or proof of insurability requirement. You can usually obtain this coverage even if you do not otherwise qualify for insurance.
  • Benefits paid in addition to any other insurance.
  • Benefits are often paid for dismemberment of limbs and fingers, as well as hand or of loss of vision. The benefit paid is generally a percentage of the death benefit. (E.g., the loss of one hand may qualify for payment of 50 percent of the death benefit.)

You should consider AD&D insurance if you have loved ones whose security would be threatened if an accident took you suddenly or you could not earn an income owing to a dismembering disability.

If you’re concerned about the possibility of an accidental death or dismemberment but do not want to purchase additional life insurance to cover those possibilities, AD&D can help cover this non-health-related risk.

AD&D is valuable coverage that can help protect your family. However, since benefits are paid only in the event of a covered accident (or covered dismemberment), and not due to illness or other causes, it is generally recommended that AD&D be purchased to supplement other life or health insurance, not used as a substitute for other insurance coverage.

You can select benefit amounts from $50,000 up to $500,000 (in increments of $25,000).
For all members of The State Bar under age 70, acceptance is automatic. There are no health questions asked . . . no physical exam required! Your spouse or domestic partner (under age 70) and your unmarried dependent children under age 19 (23 if full-time students) are automatically eligible for coverage when you apply. This coverage is also available to all employees of The State Bar of California members (under age 70) and employees’ families.
You will have 30 days from the date of receipt to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator, and any premiums paid will be refunded in full, provided no claims have been submitted or paid.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Insurance Enrollment Form & Brochure

Beneficiary Change Form

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Please contact us in whatever manner is most convenient for you.

Street Address:

12421 Meredith Drive
Urbandale, IA 50398

Call Center:

Phone: 1-800-343-0132
7:30 a.m. to 5:00 p.m. M-F CST



Insurance Company:

ReliaStar Life Insurance Company
Box 20
Minneapolis, MN 55440

Application Mailing Address:

The State Bar of California Insurance Program
P.O. Box No 14464
Des Moines, IA 50306-8993

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