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Home > Employers > Products > Multinational Employer Trust > Medical/Life/AD & D

Life/Accidental Death and Dismemberment (AD&D)

Your highly valued expatriate employees deserve the same high-quality coverage on international assignment that they count on while working at home.

The Multinational Employer Trust program (MET) includes Life and Accidental Death and Dismemberment benefits for all enrolled employees. Select from:

  • One times annual base salary up to a maximum benefit of $200,000
  • Two times annual base salary up to a maximum benefit of $200,000
  • One times annual base salary up to a maximum benefit of $50,000
  • Flat benefit of $25,000

If the insured is age 65 or older, but under age 70, Life and AD&D amounts are reduced to 65% of the scheduled amount. These amounts are reduced to 50% for covered individuals age 70 and over.

Evidence of insurability is required (at the plan sponsor’s expense) for all life insurance amounts in excess of $50,000. Please contact CIGNA International for all appropriate forms.

Schedule of Losses and Benefits

For Loss of % Principal Sum
Life 100
One hand by severance at or above the wrist 50
One foot by severance at or above the ankle 50
Entire and irrecoverable loss of sight in one eye 50
More than one of the above, through any one accident 100