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, 2021 to December 31, 2021) to compare plan pricing:

Employee AD&D $0.017 per $1,000 of coverage
Spouse AD&D (ends at age 70) $0.017 per $1,000 of coverage
Children AD&D (ends at age 26) $0.017 per $1,000 of coverage

Click here for complete Employee Monthly Premiums.

Plan Information

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: UPoint
Aflac (formerly Zurich) – For questions after filing claims
Phone: (800) 206-8826
Website: Zurich American Life Insurance Company
Aflac (formerly Zurich) – 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 ZURICHLIFE)

Plan Documentation

Review the materials below to learn more about plan details.