Accidental Death & Dismemberment Insurance (AD&D)

You can now receive Basic AD&D Insurance at no cost to you, exclusively for premium members.

Total coverage

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At no cost to you

Select Basic AD&D Coverage

calculating $10,000.00

Select Optional AD&D Coverage

$350,000

Up to $500,000 in coverage available

help create a more financially secure future for those who matter most

Coverage you can keep

as long as you remain a member

Reliable and affordable

Coverage is issued by The Prudential Insurance Company of America

Help give your loved ones the future they deserve.

Frequently Asked Questions

Who is Eligible to Apply?

Basic AD&D - All active Premium Members of the SPARK Association of Real Estate Professionals initially enrolled for coverage prior to age 65.

Member & Dependents Optional AD&D - Active Members of SPARK Association of Real Estate Professionals initially enrolled for coverage under age 65.

Member Optional AD&D Coverage required for Dependent Coverage.
Dependent Coverage cannot exceed 50% of Member’s Coverage amount.
A person may not be covered as both a Member and a Dependent.
A person may only be covered as a Dependent by one participating Member.
Nonconfinement rules apply.

Quick & Easy Enrollment Process

If you meet the necessary requirements, your acceptance is guaranteed, meaning you can enroll with out medical or health questions.

What are the Schedule of Benefits?

Schedule of Benefits

Covered Losses within 365 days	% of Principle Sum
Life	100%
Sight in Both Eyes	100%
Speech and Hearing in Both Ears	100%
Both Hands or Feet	100%
One Hand and One Foot	100%
One Hand or One Foot and Sight of One Eye	100%
Quadriplegia	100%
Triplegia	75%
One Arm or One Leg	75%
Paraplegia	75%
Sight of One Eye	50%
Speech	50%
Hearing in Both Ears	50%
One Hand or One Foot	50%
Hemiplegia	50%
Uniplegia	25%
Thumb & Index Finger of Same Hand	25%
Four Fingers of the Same Hand	25%
Hearing in One Ear	25%
All Toes on One Foot	13%
Big Toe	5%
Loss of Use^* (which occurs within 365 days of accident) of One Hand, One Foot, One Arm or One Leg. Footnote *Loss of Use: The total and permanent loss of function.	25%
Coma	The lesser of 2% per month and $1,000 up to 100 months; after 100 months, a lump sum equal to 100% of the Amount of Insurance minus the amount already paid for Coma.
Exposure to the Elements & Disappearance^**	% of Principal sum consistent with type of loss

No more than your Amount of Insurance under this Coverage at the time of the accident will be paid for all Losses resulting from Injuries sustained in that accident.

^**For the purposes of the Coverage: (1) Exposure to the Elements will be considered an accidental bodily Injury. Exposure to the Elements means exposure to severe hot or cold weather that results in actual significant physical injury including sun stroke, heat stroke and frostbite. (2) It will be presumed that the person has suffered a Loss of life if the person’s body has not been found within one year of disappearance, stranding, sinking or wrecking of any vehicle in which the person was an occupant.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

SPARK Member Accidental Death & Dismemberment coverage is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-Certificate contains all details, including any exclusions, limitations and restrictions, which may apply. CA COA #1179, NAIC #68241, Contract Series 83500.

For Compliance Use Only:1074335-00001-00

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