Accidental Death and Dismemberment (AD&D)
Accidental death and dismemberment is a policy that pays benefits to the beneficiary if the cause of death is an accident. This is a limited form of life insurance which is generally less expensive, or in some cases is an added benefit to an existing life insurance policy.
Looking for an extra layer of just-in-case coverage to help supplement your existing life insurance policy. Maybe you’re looking for a quick approval process without health questions or exams. Or you may simply want to help provide for heirs in the unlikely event of an accident. Accidental Death Insurance Life Insurance Company can be an affordable option– with premiums starting from $45/ month.
Many of our everyday activities come with built-in risks. Each time you commute to work or board a plane for a work trip, for example, you do so expecting to arrive safely at your destination.
Unfortunately, accidents happen more often than we’d like to think. In fact, accidental death is the number four cause of death, according to the Centers for Disease Control and Prevention. 1.
If you died unexpectedly in an accident, it would, of course, be emotionally devastating for the people who love you. But it could also be financially devastating for them, as your loved ones would likely need to cover the cost of your funeral and medical bills– not to mention the costs associated with maintaining your household.
While you can’t predict accidents, you can certainly plan for them.
That’s why we offer Accidental Death and Dismemberment (AD&D) Insurance, which can help to protect you and your family should you get seriously injured or killed in a covered accident.
Ready to get started? Get an Accidental Death Insurance quote now, or read on to learn why accidental death insurance may be just what you need.
Three Easy Steps to Buy Accidental Death Insurance.
1. Start the application process by requesting a quote for Accidental Death Insurance.
2. Your application will be reviewed. If you meet the requirements, your approval is guaranteed.
3. You’ll receive your policy (some carriers use electronic delivery for policy owners who provide an email address at the time of application).
Each insurance provider includes a list of circumstances excluded from coverage. In most instances, the list consists of suicide, death from illness or natural causes, and injuries from the war. Other common exclusions include death resulting from the overdose of toxic substances, died while under the influence of nonprescription drugs, and the injury or death of a professional athlete during a sporting event. Usually, if the insured’s loss occurs because of a felonious act on his or her part, no benefit is payable.
Employee accidental death and dismemberment.
Including Accidental Death and Dismemberment (AD&D) insurance on an employer- or employee-paid basis in your comprehensive benefits strategy helps employees stay financially protected and better prepared.
How it Works for your Employees.
• Payment provided in the case of a serious injury or death due to a covered accident and living benefits for non-fatal catastrophic injuries.
• Benefits paid can help pay for unexpected expenses not covered by other insurance benefits such as life, disability, health, or workers’ compensation. Unexpected costs may include home and vehicle modification, physical therapy, and rehabilitation, spouse job training, and childcare.
• Substantial, guaranteed-issue coverage. Usually offered with no medical questions or exam requirements for employees.