First Nations Insurance Services Limited Partnership

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Group Insurance Plans
FNIS Group Insurance Association Plan
Voluntary Accidental Death and Dismemberment

Optional AD&D Insurance available to the employee when he/she has basic AD&D coverage through the FNIS Plan. If applied for, it insures an insured employee only or insured employee and family in the event of their death or loss or loss of use of one or more bodily members as stated in the contract (ie. both hands, both feet, the sight of both eyes, etc). If the insured dies as a result of an accident, subject to policy conditions, maximums and exclusions, the insurer agrees to pay the stated sum to the insured employee's beneficiary(s). If the insured is accidentally dismembered or suffers loss of use of bodily members described in the contract the insurer agrees to pay insured employee according to the Table of Losses, subject to policy conditions/exclusions described in the contract. The insurer for the Voluntary AD&D benefit for the FNIS Association Plan is RBC Life Insurance Company. Employees can apply for Voluntary AD&D insurance in increments of $25,000 to a maximum of $250,000. Dependent coverage varies depending on the number of dependents.


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