About Franklin Madison Group
Franklin Madison Group is a U.S.-based insurance services firm that specializes in designing and administering supplemental insurance programs—most commonly Accidental Death & Dismemberment (AD&D), hospital accident, and similar products—offered through banks and credit unions to their customers and members. The company works with major insurers such as Minnesota Life Insurance Company and Federal Insurance Company to provide group-rate coverage, while Franklin Madison focuses on direct marketing, enrollment processing, and ongoing customer administration for more than 3,500 financial institutions.([franklin-madison.com](https://franklin-madison.com/who-we-are/corporate-overview/?utm_source=openai))
When you see a descriptor like "********** *****4090 ADD 8773096576" on your bank or credit union statement, it is typically a recurring premium debit for an AD&D or related supplemental insurance policy administered by Franklin Madison. The "ADD" portion refers to Accidental Death & Dismemberment coverage, and the toll‑free number 877‑309‑6576 is widely published by credit unions and Franklin Madison as the customer service and enrollment line for these programs.([flcu.org](https://flcu.org/resources/services/accidental-death-and-dismemberment-insurance/?utm_source=openai)) Charges are often billed quarterly or monthly via electronic funds transfer (EFT) and may have been initiated after responding to a mailed offer or enrollment form from your financial institution.
If you have questions about such a charge, you can contact Franklin Madison using the phone number shown in the descriptor (877‑309‑6576) or the contact options on their website.([everwisecu.com](https://www.everwisecu.com/personal/help-articles/ad-d-insurance?utm_source=openai)) Have your bank account or card’s last four digits, the exact transaction amount, and any coverage or enrollment letter available so they can look up your policy. You can also ask your bank or credit union to confirm that the debit is tied to an AD&D or similar policy marketed through them and, if desired, to help you stop future debits. For unauthorized or unrecognized charges, request cancellation and a review for possible refunds of recent premiums, and monitor your account for any further activity.