AD&D Insurance

Nothing can really prepare your loved ones should the unexpected happen to you. 

However, you can be protected with Accidental Death coverage made available to you by F&M Bank & Trust.  As the name "accident" suggests, they are unplanned and often they occur without warning.
Here are some facts about accidents in the U.S.:
  • In 2018, there were 167,127 deaths due to unintentional injuries.(1)
  • Unintentional injury is the #1 leading cause of death for ages 1-44 (1)
  • In 2018, there were an estimated 25,908,332 injuries causing Emergency Department visits. (2)
Please see the Insurance Description of Coverage included in your package materials for complete terms of coverage and exclusions.

What are Clients Saying...

  • “When I opened my F&M Premier Checking Account, I was interested to learn more about AD&D Insurance. Knowing that my family can receive up to $10,000 if something happens to me was reassuring. It is a benefit I hope my family doesn't need but is nice have, just in case. Plus, it doesn't cost me anything additional." F&M Bank & Trust Client, 6 Months
view AD&D Insurance package materials

For general questions regarding this benefit, call the Benefit Administrator at 866-210-0361.
To Register your F&M Checking Account benefits online or with the App. 
You will need to contact a F&M Client Service Representative to get your Access Code. 


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¹ NCIPC: Web-based Injury Statistics Query and Reporting System (WISQARS), 2018
² U.S. Consumer Product Safety Commission’s (CPSC) National Electronic Injury Surveillance System (NEISS), 2018
Insurance Product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.