Phillips 66 Company

Accidental Death & Dismemberment (AD&D) Insurance

As an extra measure of financial protection, AD&D coverage pays a benefit if you or your covered dependent die or suffer a covered injury as a direct result of a work-related or non-work related accident.

Preparing for the Unexpected

In addition to reading the information on this page, be sure to review the Preparing for the Unexpected Guide, which outlines important issues for you and your family to consider, so that you can be prepared to make informed decisions about your finances and personal matters.

AD&D Insurance Premiums

See the monthly premiums below (effective January 1, 2018 to December 31, 2018) to compare plan pricing:

Employee AD&D $0.17 per $1,000 of coverage
Spouse AD&D (ends at age 70) $0.17 per $1,000 of coverage
Children AD&D (ends at age 26) $0.17 per $1,000 of coverage

Click here for complete Employee Monthly Premiums.

AD&D Insurance

Phillip 66 offers AD&D insurance coverage for you and your eligible dependents.

Using the Plan

Use the links below to access plan benefits and services.


The Benefits Center – For coverage questions, beneficiary designations and claims filing
Phone: (800) 965-4421; (646) 254-3467 (for international callers)
8:00 a.m. – 6:00 p.m. CT, Monday – Friday
Website: Your Benefits Resources (YBR)
Zurich American Life Insurance Company – For questions after filing claims
Phone: (800) 206-8826
Website: Zurich American Life Insurance Company
Zurich American Life Insurance Company – For portability and conversion (not applicable to travel assistance)
Phone: (800) 206-8826
Website: Zurich American Life Insurance Company
Everest – For funeral planning and concierge services
Phone: (800) 913-8318
Website: Everest Funeral (use code ZURICH100)

Important Plan Information

Please note that many of our plans have the same or similar terms, which are located in the separate Other Information booklet. To fully understand this plan, it’s important that you review both booklets noted with an “*” and the Other Information booklet and SMMs, which together compose the plan’s Summary Plan Description.