No one plans to have a serious accident, so when one happens the financial consequences can be devastating. The IMA AD&D Plan gives you broad accident coverage, 24 hours a day, worldwide. You’re covered at home, at work, on vacation, on the road, for practically every activity. See the exclusions section for more information.
The plan’s benefits are competitive. The rates are competitive1. So sign up yourself and your family today. Choose a minimum of $25,000 to a maximum of $550,000 in increments of $5,000. This is worldwide, 24-hour-a-day coverage that pays in addition to any other insurance you may have.
All members/employees under age 70 will automatically be accepted into this plan. No physical exam is ever required. Coverage will be effective on the first of the month following receipt of your Enrollment Form and first premium payment. 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.
Your spouse and dependent children (birth to age 26) are also guaranteed coverage. Your spouse benefits are 40% of the benefit amount you choose and dependent child(ren)’s benefits are 10% of your benefit. If you are unmarried, each dependent child’s coverage will be 15% of your benefit. If you have no children, your spouse’s benefits are 50% of your coverage.
Member's/Employee's Principal Sum | Annual Premium Contributions |
$25,000 | $10.50 |
$50,000 | $21.00 |
$75,000 | $31.50 |
$100,000 | $42.00 |
$150,000 | $63.00 |
$200,000 | $84.00 |
$250,000 | $105.00 |
$300,000 | $126.00 |
$350,000 | $147.00 |
$400,000 | $168.00 |
$450,000 | $189.00 |
$500,000 | $210.00 |
$550,000 | $231.00 |
Family Plan
Member's/Employee's Principal Sum | Spouse | Each Child | Annual Premium Contributions |
$25,000 | $10,000 | $2,500 | $16.20 |
$50,000 | $20,000 | $5,000 | $32.40 |
$75,000 | $30,000 | $7,500 | $48.60 |
$100,000 | $40,000 | $10,000 | $64.80 |
$150,000 | $60,000 | $15,000 | $97.20 |
$200,000 | $80,000 | $20,000 | $129.60 |
$250,000 | $100,000 | $25,000 | $162.00 |
$300,000 | $120,000 | $30,000 | $194.40 |
$350,000 | $140,000 | $35,000 | $226.80 |
$400,000 | $160,000 | $40,000 | $259.20 |
$450,000 | $180,000 | $45,000 | $291.60 |
$500,000 | $200,000 | $50,000 | $324.00 |
$550,000 | $220,000 | $55,000 | $356.40 |
Rates shown are as of January 1, 2025.
When you reach age 75, any Principal Sum in excess of $120,000 will be reduced to a maximum of $120,000. Premiums do not reduce. Coverage terminates at age 85. Rates do not increase with age. These rates will not be changed unless they are changed for all insureds in your classification. If applicable, an additional $2 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option.
SAFE DRIVER BENEFIT
EDUCATION BENEFITS
CHILD CARE BENEFITS PAID TO YOUR FAMILY
COMA BENEFIT
COMMON CARRIER BENEFIT
TOTAL AND PERMANENT DISABILITY
PARENTAL CARE BENEFIT
EXPOSURE AND DISAPPEARANCE BENEFIT
BURN DISFIGUREMENT BENEFIT
REHABILITATION BENEFIT
COMMON DISASTER BENEFIT
BENEFITS FOR ACCIDENTS
TERMINATION
LIMITATIONS
EXCLUSIONS
This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and your Plan Sponsor and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the booklet certificate.
AD&D coverages are provided under a group insurance policy issued to your plan sponsor by MetLife. AD&D coverage under your plan terminate when your membership ceases, when AD&D contributions cease, or upon termination of the group insurance policy. Dependent Life coverage will terminate when a dependent no longer qualifies as a dependent or when a dependent spouse reaches age 80. All insurance and insurance effective dates are subject to final underwriting approval.
Nothing in these materials is intended to be advice for a particular situation or individual. Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact your plan administrator AMBA, at 1-800-503-9230 or by email at: customerservice.service@getamba.com for costs and complete details.
Wherever the term spouse appears will read as Domestic Partner throughout the plan summary.
1Cost of insurance rates are determined using methodologies that vary by company. These rates can vary and will generally increase with age. Rates for active employees may be different than those available to terminated or retired employees. It's important to look at all factors when evaluating the overall competitiveness of rates and the value of life insurance coverage.
2In general, death benefits are received income tax free.
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We're here to help! Please contact us in whatever manner is most convenient for you.
Address AMBA P.O. Box 14533 Des Moines, IA 50306 |
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Phone 1-800-503-9230 |
Email customerservice.service@getamba.com |
Underwriting Company Metropolitan Life Insurance Company 200 Park Avenue New York, NY 10166 |
30-DAY FREE LOOK |
If you're not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated, and you will be sent a full refund, no questions asked! |