Skip to content
Couple with Doctor

Accident/Hospitalization Insurance

When life takes an unexpected turn, it's good to know People First FCU is there. With a variety of insurance programs available to you, you won't have to worry when unforeseen situations arise.

Accidental Death & Dismemberment (AD&D) Insurance

People First Federal Credit Union wants to help protect your family with $1,000.00 insurance coverage paid for you by People First Federal Credit Union.

As a People First FCU member age 18 or older you can help protect your family's financial future with Accidental Death and Dismemberment (AD&D) Insurance underwritten by Minnesota Life Insurance Company. In addition to the $1,000.00 Credit Union Paid coverage paid for you by People First Federal Credit Union, you can purchase Additional Coverage at group rates.

You are pre-authorized for Additional Coverage up to $300,000

Your acceptance is guaranteed - No Medical Exams or Health Questions

Benefits are paid to your beneficiary if you die from a covered accident

You cannot be turned down for the Credit Union Paid Coverage — or any additional coverage you may select. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.

Remember, the $1,000.00 coverage is at no cost to you. It's complimentary of People First Federal Credit Union.

Robert Dudacek, Licensed Insurance Agent #972576-TN

Close-up hand choose Health care and medical symbols on wooden blocks toy stacked in Pyramid shape for health insurance concepts.

Hospital Accident Protection (HAP) Insurance

Collect Daily Cash Benefits of up to $1,800

With this Hospital Accident Plan Member Benefit, when a serious covered accident lands you in the hospital you can receive the following Cash Benefits:

$1,800 a day Intensive Care Confinement, $900 a day Hospital Confinement

All Cash Benefits paid directly to you

All paid in addition to any other insurance you may have

All yours to spend any way you want

This product may not be available to residents of all states. Confinement benefits reduce by 50% at age 65, and reduce to 25% at age 70. Insurance is underwritten by Federal Insurance Company, a Chubb company. For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. Underwritten by Federal Insurance Company.

Recuperative Care Plan (RCP)

Provides cash benefits to the insured upon release from hospital, in the event the insured is hospitalized due to a covered accident or sickness.


Guaranteed coverage; no medical exams or health questions.

Benefits are paid in cash for up to 365 days.

The first 60 days of coverage are FREE.

Coverage is for recuperative care for accidents and sickness, some exclusions apply.

Affordable group rates apply.

Underwritten by Minnesota Life Insurance Company.


Insured and spouse: 18 and older.

Immediate Family Member: spouse, domestic partner, parent, grandparent, sibling or child; and your spouse's or domestic partner's parent, sibling or child.

No termination age, however, Recuperative Accident and Recuperative Sickness benefits reduce to 50% at age 70.

As with all insurance programs, some exclusions apply which are detailed in the Certificate of Insurance provided by Affinion Group. For more information about this product please see our Recuperative Care Plan FAQs.

Mature Couple Reviewing And Signing Domestic Finances And Investment Paperwork In Kitchen At Home

Frequently Asked Questions

The Plan Administrator is Affinion Benefits Group, LLC, a division of Affinion Group, the nation's largest provider of direct response insurance programs.

The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Nashville, TN. Once processed, the claim is then forwarded to the underwriter
for determination of benefits.

Share and Share Draft premiums will be automatically debited from your account quarterly/monthly. These transactions will be reflected on your statement.

It takes about 30 days from the time the enrollment form is received to process and issue the Certificate of Insurance.

The effective date is shown on your Certificate of Insurance.

Accidental Death & Dismemberment (AD&D) Insurance

No. You must complete and return the enrollment form.

No. The no-cost basic coverage is a gift to you as long as you have an account.

Yes. You're covered 24 hours a day, worldwide.

No. You are guaranteed acceptance.

No. However, coverage reduces to 50% at age 70.

Hospital Accident Protection (HAP) Insurance

This insurance supplements your other coverage plans. In the event you are hospitalized because of an accident injury, HAP pays you cash for each day you are hospitalized.

No. The cash is paid directly to you, unless you say otherwise, to spend any way you choose. It's designed to help defray the cost of hospitalization or the incidentals that result from an unplanned hospital stay.

Yes. You may designate a doctor, hospital, or anyone you choose.

No. This insurance pays for covered accidents only. Hospitalization due to sickness or disease is not covered.

No. There are no medical questions or physical exams required to qualify.

No. Your coverage is guaranteed, provided you are 18 years of age or older.

No termination age; however, benefits reduce to 50% at age 65, and reduce to 25% at age 75.

At People First FCU we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines (WCAG) 2.1. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact us at or by calling our Member Service Center at 610.797.7440.

Scroll To Top