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809 W Riordan Rd

Flagstaff, AZ 86001

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coverage now

Benefits for our Members

Add more AD&D coverage at a
price you'll like

$20 for $100,000 of coverage.

Why is AD&D
coverage important?

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Why AD&D

Car accidents account for 1.3 million deaths a year, averaging out to 3,287 deaths per day with an additional twenty to fifty million people becoming injured or disabled every year according to the Association for Safe International Road Travel website.

People can plan for death, but it’s the accidental deaths that can be financially devastating. That’s why, according to a 2017 Monthly Labor Review report, 75% of people who have life insurance also have AD&D coverage to be sure their loved ones are cared for properly in the event of an accidental death.

According to a CBS News report issued January 17, 2018, accidental injury is now the third leading cause of death in the United States.

In May of 2017 The Centers for Disease Control reported that accidents were the number one cause of death for people age 45 and younger.

According to a 2018 Journal of Urban Studies report, 4.6 million kids age 18 or younger are living in households with loaded or unlocked firearms.

According to a Centers for Disease Control report published in 2015, 45% of all EMS/EMT deaths resulted from highway accidents. Of all the injuries that EMS/EMT experience most are of the hands. According to NCBI, work related injuries and fatalities are higher than the national average for all occupations.

Why Occidental Life Insurance Company of North Carolina

Occidental Life Insurance Company of North Carolina (OLIC) has an A Excellent rating from A.M. Best Company. This is the third highest rating out of 15 categories and was assigned by A.M. Best to OLIC on February 27, 2018. A.M Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company's financial strength, operating performance and ability to meet its ongoing obligations to policyholders.

-30 day "free look" period
After receiving your policy, if you don’t want to continue you have 30 days to get a 100% refund

-No pushy sales people
Enrollment is done online

-Price lock guarantee
Rates will not change after you obtain your coverage

-Cancel anytime
You are not obligated to pay if you do not want to continue AD&D coverage

-No doctor test or medical exams
Simple, one-page application

-Military grade coverage
No matter your occupation or how you die, you will not be charged more for "high risk" occupations or denied claim for that reason

-Upgrade to $100,000 for as little as $20/mo to
Further protect your family at affordable rates

-Long history of commitment and integrity
Tracing its roots back to 1906, Occidental Life Insurance Company of North Carolina is a progressive special markets insurer. The Company offers innovative products developed to target the individual needs of our association members. Occidental and its parent company, The American-Amicable Group of Companies are part of the Industrial Alliance Financial Group family of companies. Founded in 1892, IA insures more than 4 million people all across North America and has over $169 billion in total assets.

Apply for your no-cost AD&D policy now.