I keep getting mail from my credit union about a third-party insurance company, Tru-Stage, that offers a $1k accidental death & dismemberment policy to the credit union members for free.
I'm assuming their only motivation is to get you to sign up for further insurance through them (heavily advertised on the return letter). Is there anything possibly more sinister to it? Any reason I shouldn't take the free policy? I don't have any dependents so I haven't looked into this type of stuff at all.