EMA AcciProtect AD&D (Accidental Death & Dismemberment) Review

Today, we’re going to review the EMA AcciProtect AD&D insurance. It’s an accidental death and dismemberment policy. It’ll pay your beneficiaries if you die resulting from an accident. Or it’ll pay you some or all of the benefits if you lose specific limbs or senses.

It’s an extra policy that you can get through EMA or Emergency Management Alliance. Their main coverage is their EMA Value 20 Term Life Insurance. 

Read the EMA Value 20 review here

One of the main reasons we like the ease of this policy is the quick online application, and it’s insured through an A++ rated company. 

For the accidental death policy, choose the EMA AcciProtect option. When you go to enroll, you’ll see dropdowns to choose your benefits.

    EMA AcciProtect AD&D Policy Provisions

    First, the major details.

    EMA AcciProtect AD&D

    Anyone age 18 or older can apply. The good news is you’re automatically accepted.

    There are two amounts you can choose from:

    • $100,000
    • $300,000

    The rates are the same at $0.05 per $1,000 of member-only coverage. The rates for family coverage are $0.07 per $1,000. Which works out to:

    $100,000 – Single$19.95 per month
    $100,000 – Family$29.95 per month
    $300,000 – Single$39.95 per month
    $300,000 – Family$49.95 per month
    There is a one-time $25 enrollment fee.

    Let’s get clear on how the benefits are paid to either you or your beneficiary.

    Loss of 2+ hand, foot, and/or eye100%
    Speech & hearing100%
    One hand, foot, or eye50%
    Speech or hearing50%
    Thumb & index finger of the same hand25%

    There is also a benefit reduction at certain ages.

    • Age 75 – benefit reduced to 50%
    • Age 80 – benefit reduced to 25%

    Bonus Features

    EMA AcciProtect AD&D also adds some extra features that you won’t necessarily find on other accidental death contracts. Here are the bonuses.

    Coma Benefit1% of AD&D amount payable up to 100 months after 30 days
    Day Care Benefit2% of AD&D amount payable up to $2,400 annually, max age of 14
    Seat Belt & Airbag BenefitSeat Belt (10%) & Airbag (5%) amount payable up to a combined benefit of $25,000
    Survivor Benefit1% of AD&D amount payable up to $1,000 for 6 months
    Spousal Education Benefit$3,000 annually (must be enrolled on date of accident in post-12th grade higher learning)
    Child Education Benefit5% of the amount payable up to $5,000 (must be in at least 12th grade on the date of the accident)

    There’s also a total loss of use benefit. Even if you don’t lose your arm(s) or leg(s), your benefits will pay after 12 months if you do not regain the use of:

    • Both arms and both legs – 100%
    • Both arms, both legs, or one arm and one leg – 66.66%


    Every insurance policy has exclusions. We believe it’s important to know the fine print in your policy when making a decision on which insurance fits you best.

    • Sickness, disease, or myocardial infarction
    • Suicide
    • Intentionally self-inflicted injuries
    • War
    • Accidents while in the armed forces of any country
    • Piloting any aircraft
    • Riding, boarding, or deplaning any non-civilian aircraft
    • Riding, boarding, or deplaning any aircraft owned by you or your employer
    • During an assault or felony (or an attempt)
    • Where alcoholic intoxication is a contributing factor
    • Where an illegal substance, controlled substance, or non-prescribed narcotic is a contributing factor

    Family Coverage Options

    You can also get coverage for your spouse (or domestic partner) and any children. EMA’s definition of children includes:

    • Natural children
    • Stepchildren
    • Adopted children
    • Foster children

    If you choose family coverage, it will protect your children until they reach age 20 or up to age 26 if they’re full-time students.

    Here’s the family coverage:

    • Spouse with no child(ren): 50% of the member amount
    • Spouse with Child(ren): 40% of the member amount
    • Child(ren) with spouse: 10% of the member amount
    • Child(ren) with no spouse: 15% of the member amount

    To clarify, children with no spouse means you (the member) are not married. The child’s martial status is immaterial here.

    Who Is the Insurance Company for EMA AcciProtect?

    EMA AcciProtect AD&D is covered by Reliance Standard Life Insurance Company out of Schaumburg, Illinois. They currently have an A++ rating from AM Best. That’s the best rating for financial stability that there is.

    Where is this policy available?

    If you live in any of the following, you can apply online (or call us and we can help you):

    • Alaska
    • Arkansas
    • Arizona
    • California
    • Colorado
    • District of Columbia
    • Delaware
    • Georgia
    • Iowa
    • Illinois
    • Indiana
    • Kansas
    • Kentucky
    • Missouri
    • Montana
    • Nebraska
    • New Jersey
    • Nevada
    • Oklahoma
    • Pennsylvania
    • South Carolina
    • Tennessee
    • Texas
    • Virginia
    • Washington
    • Wisconsin

    If you live in the following states, try one of these other accidental death and dismemberment policies:

    • Alaska
    • Connecticut
    • Florida
    • Hawaii
    • Idaho
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Minnesota
    • Missouri
    • Montana
    • New Hampshire
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oregon
    • Rhode Island
    • South Dakota
    • Utah
    • Vermont
    • Virginia
    • West Virginia
    • Wyoming

    EMA Association Membership Benefits

    Because the EMA program life insurance comes with an association membership, there are some extra perks. (You’re automatically enrolled in the association membership upon signing up for the guaranteed issue life insurance.)

    Echo-Sigma10% savings
    Coaxcher10% savings
    MIRA Safety25% savings
    My Medic25% savings
    Working AdvantageVaried savings on thousands of items
    HotelsUp to 60% savings
    Car RentalsUp to 25% savings
    ElectronicsUp to 70% savings
    Flowers & GiftsUp to 60% savings
    Virtual EventsUp to 40% savings
    Theme ParksUp to 70% savings
    See complete details here.

    Why Might Someone Choose an Accidental Death & Dismemberment Policy?

    AD&D provides additional financial protection in the event that life happens.

    Motor vehicle accidents are the 4th leading cause of death in the United States.

    In 2012, there were 127,000 unintentional injury-related deaths in the US.

    An AD&D policy adds extra coverage on top of regular life insurance. Alternatively, for people with disqualifying health conditions for regular life insurance, AD&D may be the only coverage available. Although it’s also wise to look into guaranteed issue life insurance in that case, too.

    The additional coverage can help cover final expenses, loss of income, and even medical bills and home renovations if accessibility needs change.

    If You’re An Agent Looking To Help Your Clients…

    You can also help out your clients looking for great no-exam life insurance, AD&D, and critical illness. Click the apply online button below, then click “Agent Contracting” at the top right of the page. For the password, use AGENCY.

    Next Steps

    You can apply online today or compare other accidental death coverage options by clicking here to look at our other recommended accidental death and dismemberment options.

    You can also give us a call at (858) 703-6178, and we can look at any specific considerations you may want.