Get the latest news on coronavirus impacts on general aviation, including what AOPA is doing to protect GA, event cancellations, advice for pilots to protect themselves, and more. Read More
Already a member? Please login below for an enhanced experience. Not a member? Join today


Benefits at rates pilots can afford

As an AOPA Member you have access to affordable group rates, which are typically lower than other pilots can get with individual plans. Plus, you're covered anywhere, 24/7. The benefits cover general aviation pilots at all levels of flying, even student pilots, during aviation-related activities and more.

You’re guaranteed this coverage without a physical. Rates may vary by state.

Frequently Asked Questions

Should I have AD&D coverage if I carry life insurance?

It makes sense to add extra coverage for accidental deaths or injuries. The AOPA Accidental Death and Dismemberment insurance plan pays benefits to cover the unique costs associated with covered accidents—in addition to any coverage you already have. And AD&D coverage is affordable—you can add up to $300,000 of coverage for just pennies a day.

How much coverage should I get?

AD&D coverage is affordable, so many AOPA members, under age 70, get the maximum coverage available—$300,000.

Will I require a physical exam or blood test to get coverage?

No. You and your eligible family members are guaranteed coverage—regardless of your level of flying experience, professional, lifestyle or travel plans.


  • Pays up to a $300,000 benefit for aviation-related accidents 
  • Adds up to $15,000 for total and permanent disability
  • Provides up to $30,000 for disfigurement due to burns covering at least 5% of your body
  • Includes up to $10,000 transportation benefit
  • Pays up to $24,000 due to being in a coma

Safeguards your family

  • Pays in addition to any other insurance
  • Benefits for your family to use as needed—and get back on their feet

Guaranteed acceptance

The AOPA Accidental Death and Dismemberment Insurance Plan is offered to you with no physical exam or health questions. You and your family are guaranteed coverage regardless of your health as long as you are an AOPA Member under the age of 75.

24-hour coverage with benefits up to $300,000 – You’re guaranteed $300,000 of benefits as an AOPA Member under age 70, and $50,000 of benefits as an AOPA Member between the ages of 70 and 75, with no physical exam or health questions.

Pays up to $15,000 of disability benefits – If you become totally and permanently disabled within 180 days of a covered accident, you collect up to $15,000 (or 5% of your full benefit amount). You must submit proof of your disability and your disability must continue to be total and permanent, as defined in the certificate.

Pays up to $10,000 EXTRA for transportation – If there is a covered fatal accident more than 200 miles from your home, an additional transportation benefit of up to $10,000 (5% of your benefit amount) will be paid.

Benefits for Specific Loss Coverage

Life; both hands or both feet; sight of both eyes; one hand and one foot; one hand or one foot and sight of one eye; speech and hearing in both ears; quadriplegia 100% of Principle Sum.

Paralysis of three limbs: 75% of Principle Sum.

Paraplegia; One hand, one foot or sight of one eye; speech; hemiplegic 50% of Principle Sum.

Loss of thumb and index finger of same hand; paralysis of one limb; and loss of hearing in both ears; loss of speech 25% of Principle Sum.

If you suffer multiple losses due to the same accident, only one benefit amount, whichever is greater, is payable. Loss is defined as the complete severance of the hand or foot at or above the wrist or ankle joint, total and irrecoverable loss of entire sight, speech or hearing, and severance of two or more entire digits of both the thumb and index finger. To receive benefits, loss must be independent of sickness and other causes.

Burn Benefit – If, due to a covered accident, you suffer disfigurement due to burns covering at least 5% of your body, benefits of 10% of your benefit amount (up to $30,000) will be paid.

Coma Benefit – If, due to a covered accident, you are in a coma, you will collect a coma benefit until you are no longer in a coma or the maximum benefits have been paid. You collect 2% of your benefit amount per month up to 12 months or a maximum of $24,000.

Accidental Death and Dismemberment Exclusions
ReliaStar Life does not pay benefits for loss directly or indirectly caused by any of the following:

  • An accident occurring before the Effective Date of the Group Policy.
  • Suicide or intentionally self-inflicted injury, while sane or insane.
  • Physical or mental illness.
  • Bacterial infection or bacterial poisoning. Exception: Infection from a cut or wound caused by an accident.
  • Any armed conflict, whether declared as war or not, involving any country or government.
  • An accident which occurs while in the military service for any country or government.
  • An accident which occurs when you commit or attempt to commit a felony.
  • Your intoxication. Intoxication means your blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.
  • An accident which occurs while you are a pilot or crew member on an aircraft operating outside of the United States, Canada, Mexico, Central America or the Islands of the Caribbean. Exceptions:
    • Flying enroute between the United States, Canada, Mexico, Central America or the Islands of the Caribbean.
    • Acting as a pilot or crew member on a regularly scheduled commercial flight owned and maintained by a commercial airline.
  • Travel or flight in or on, or descent from or with:
    • a military aircraft (except a military aircraft with a civil air-worthiness certificate in the normal or utility category in civil use pursuant to the category rating at the time of the accident), an amateur-built rotorcraft, an amateur-built fixed-wing aircraft which is subject to area restrictions imposed by a governmental authority, rocket-powered aircraft, an ultralight, a hang glider, a kite, or a parachute (except a forced jump) or an aircraft not certificated by a governmental authority; or an aircraft not meeting governmental airworthiness requirements; or
    • an aircraft being used for or in connection with seeding, dusting, spraying, carrying sling loads, fire fighting, flight in or rehearsal/practice for an airshow involving aerobatic or formation flight, or hunting, herding or spotting of animals, birds, or fish, or is being test-flown for the purpose of certification or determination of airworthiness; or
    • an aircraft engaged in closed-course racing or in practicing or qualifying for the same; or
    • operating an aircraft while not in compliance with medical requirements established by governmental authority.

1 Reference to spouse include New Jersey civil union partners as well as partners in same-sex relationships formed in other jurisdictions that provide substantially all of the rights and benefits of marriage but which may have been formed under a different name.

This is a summary of benefits only.  A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage.  All coverage is subject to the terms of the group policy.  If there is any discrepancy between this document and the group policy documents, the policy documents will govern.

AD&D insurance coverage is provided under the terms of a group health insurance policy, Group Policy 67485-1 issued and delivered in the state of New Jersey to the Aircraft Owners and Pilots Association as the policyholder and governed by the laws of New Jersey.  The group health insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis, MN.  Policy form HP010GP. This is a paid endorsement.  AOPA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.  The policy is administered on behalf of ReliaStar Life Insurance Company by Mercer Health & Benefits Administration LLC, an insurance administrator licensed in the state of New Jersey.  In CA d/b/a Mercer Health & Benefits Insurance Services LLC  AR Insurance License #100102691 •  CA Insurance License #0G39709 Our Role and Compensation

If you elect family coverage, the benefits will be paid as follows for a covered person:

Dependent Family Situation Benefits Payable
Spouseand Children Spouse1 covered at 50% of the Member’s amount of AD&D Insurance, Child (each) covered at 10% of the Member’s amount of AD&D Insurance
Spouse1 Only Spouse1 covered at 60% of the Member’s amount of AD&D Insurance
Children Only Child (each) covered at 15% of the Member’s amount of AD&D Insurance

Contact Us for Support